Proof of credit card settlement is required to apply for a mortgage. If a mortgage loan requires new consumer loans or business loans in the past 6 months, it must be settled and the settlement certificate can only be approved after each month. The credit report shows that there are more than 300,000 credit card consumption, installment or financing, which must be settled and proof of settlement must be provided. The customer's credit report will be checked before disbursement. If there are new personal consumption loans, business loans and credit card installments exceeding 100,000, they will be required to be settled.

Things to note when applying for a mortgage loan

When applying for a mortgage loan, you must base your application on your own economic conditions, pay attention to the loan amount, and do not exceed your ability. When applying for a mortgage, you must provide true information and do not commit fraud.

Before applying for a mortgage, you should find out the repayment method and choose the appropriate repayment method based on your own economic situation. When applying for a housing provident fund loan, do not use your provident fund savings before applying for the loan. Do not pay off your mortgage early within one year. Partial prepayment should be made after one year of loan repayment, and the repayment amount should exceed the six-month repayment amount.