Yes, you can. Mortgage and credit card are closely linked: if you have a mortgage, you don't even need to provide other information except your ID card to apply for a credit card. The idea of the bank is simple: if you have a loan, it means that you have collateral or a very potential customer. The approval criteria for applying for credit cards are far less stringent than those for applying for loans. Once the loan is completed, the credit card center will not continue to review and issue cards directly. The amount depends on the loan amount, which is generally higher than no loan.

：

Influence of credit card overdraft on mortgage handling

First, the credit card is overdrawn normally without overdue; Second, the credit card is maliciously overdrawn and the credit is poor.

1. The credit card is overdrawn normally without overdue.

The main function of credit card is overdraft, that is, "spend first, then repay". Now more and more people apply for credit cards, and some even apply for more than five credit cards.

However, too many credit cards is a very dangerous thing, and if you are not careful, your repayment will be overdue.

It should be reminded that when applying for mortgage, car loan and other loan products, the overdue repayment record often faces the consequence of "the bank will not recognize it". Those who hold a small number of cards, use credit cards normally and have no overdue records have little impact.

2. The credit card is maliciously overdrawn and the credit is poor.

Credit card malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and refuses to return it for more than 3 months after being urged twice by the issuing bank.

Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders.

If the amount is large, it also involves illegal crimes and faces imprisonment.

There is almost no possibility that these people can successfully apply for a mortgage.

Housing bank loan

I. Requirements of the Borrower

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Two. Information to be provided by the borrower

1. ID card, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Three, the housing seller should provide materials.

1. Husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate)

2. Real estate license