You can also apply for a loan to buy a house if your credit card is in arrears. However, we need to pay attention to the fact that if the credit card debt is too high, it will lead to a higher personal debt ratio, and banks may refuse loans because they are worried about their customers' insufficient repayment ability.

Personal housing loan is a kind of consumer loan, which refers to the loan granted by the lender to the borrower for the purchase of self-occupied ordinary housing. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall bear joint and several liability for repayment of the principal and interest.

the object of the loan is a natural person with full capacity for civil conduct. The loan conditions are that urban residents are used to purchase ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 3% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.

individual housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loan refers to the loan granted by the lender to the borrower for purchasing ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. It refers to the loan opened by a commercial bank to the borrower for the borrower to purchase the first-time housing (that is, the housing sold to individuals after the development and construction of real estate developers or other qualified development entities).

Personal housing loan mainly has the following three loan forms:

First, the full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks with housing provident fund. Housing provident fund loan is a policy-based personal housing loan, on the one hand, its interest rate is low; On the other hand, it mainly provides such loans for low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is more than 1%, both investors and ordinary people who buy houses and live in their own homes prefer to choose housing provident fund loans to buy houses.

second, personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

3. Personal housing portfolio loan refers to the loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans.