Credit card installment will not affect it, but the debt cannot be too high! There are serious overdue credit records that affect the approval of mortgage loans, and there are no micro-loans and online loans. The recognition degree of each bank is different. Your monthly income should be able to pay your monthly debts. Liabilities include car loans, mortgages and credit cards. Now, the approval of bank loans will depend on the applicant's debt and the use of online loans. If there are other bank mortgages, credit loans will affect the next payment! If there are many online loans, you are short of money. The interest rate of online loans is generally much higher than that of bank loans. For example, the annual interest rate of bank loans for one year is 4.35%, which is the benchmark interest rate, very low! Even if the general increase is 30%-50%, it will only be 5.655%-6.525%! The annual interest rate of online loans is 8- 10%, which is quite polite. I heard that there are still 22%! You can accept such a high interest rate, and you have used many online loans! Does this mean that you are short of money? Your business is risky for banks, and the probability of default is very high! Therefore, people who have nothing to do borrow a lot of online loans, you are not sliding, but sliding! Finally, don't skate by yourself! Does installment credit card affect mortgage?

Credit card 2020-09- 18

Holding an installment credit card will not affect the customer's subsequent mortgage processing. As long as customers prepare sufficient information when applying for a mortgage, maintain good personal credit, have a stable income, and have the ability to repay the principal and interest of the loan on time, they can generally handle the mortgage smoothly.

Of course, we also need to note that if credit cards are not repaid in installments, it will increase customers' debts. When the personal debt ratio is too high, it will affect the approval of mortgage. Because once the bank finds that the customer's debt is too high, it will worry that the customer's repayment ability is insufficient and may refuse to approve the loan; Even if the loan is approved, the approved amount may be lower.

Therefore, if customers find that they have a lot of debts that have not been paid off, it is best to find ways to pay off the debts or pay off some of them before applying for a mortgage, which can reduce the personal debt ratio.

Also, everyone should remember to pay back their credit cards on time. If it is overdue, it will be reported to the central bank for credit information. When the bank approves the mortgage, it will find that the customer has a bad record on the credit information and will directly reject the customer's loan application.