Whether you can get a loan to buy a house with a credit card debt of 200,000 yuan depends on the specific situation:

1. If the credit card debt of 200,000 yuan is within the billing date and is not overdue, then for The impact of taking out a loan to buy a house is smaller. At this time, the debt owed is normal credit card use, it has not yet reached the payment date, and there is no overdue record, so it will not affect the approval of the mortgage loan.

2. If the credit card debt of 200,000 is overdue, it will undoubtedly have a negative impact on the mortgage loan. Because once a credit card is overdue, the bank will upload the record to the central bank's credit reporting system. The review process for mortgage loans is strict, and overdue records will result in failure to pass the review.