A credit card debt of 100,000 yuan can be used to buy a house. As long as the debt of 100,000 yuan is not overdue and the borrower has a stable income and sufficient repayment ability, the bank will not reject the lender's application. The bank will also lend if its loan requirements are met.

However, if you owe 100,000 yuan on a credit card and it is overdue, it will be difficult to apply for a housing loan from the bank. The credit report is a very important part of mortgage loan approval. In order not to affect mortgage approval, lenders usually need to pay attention to the maintenance of credit.

How long does it take for the bank to approve a home loan?

The time it takes for banks to approve mortgage loans is affected by many factors and varies from bank to bank and region to region. Generally speaking, after a customer applies for a loan from the bank, the bank will complete the review in about 2 weeks. If there is a backlog of purchase prices, there may be a delay, but it will not exceed one month at the latest.

After approval, the bank will notify the customer as soon as possible, and the customer needs to go to the bank branch within the agreed time to complete the loan contract signing, mortgage registration and other related procedures. After the procedures are completed, users only need to wait for the loan, which is usually completed within 1-2 months. If you are applying for a housing provident fund loan, it may take a little longer. Generally speaking, the entire process from mortgage approval to loan takes about 2-3 months. Generally speaking, if it takes a long time for the mortgage loan to be approved, the bank will proactively contact the customer to inform the reason. Please pay attention to the phone or text message notification. Or you can proactively contact the bank’s customer service staff to find out the reason.