1. Can I get a loan to buy a house if I have a credit card debt?

As long as the minimum repayment amount of your credit card is paid on time, you can get a loan to buy a house, but your credit card overdraft will be included in the liability, and the loan amount will be calculated based on your income.

1. If there is too much credit card debt and the personal debt ratio is relatively high, when applying for a loan, the bank will think that the user has insufficient repayment ability and may be refused the loan;

2. If the credit card debt has an overdue credit record, and the bank finds that the user has an overdue credit record, the bank may refuse a loan;

3. If the credit card debt is small and there is no overdue credit card Records generally do not affect the loan.

The above is the relevant content about whether you can get a loan if you have a credit card debt.

How to apply for a credit card loan

1. If a user wants to apply for a credit card loan, he or she needs to call the bank where the card is issued as soon as possible;

2. Then apply for a credit card loan to the staff of the bank where the card is issued, and provide the personal credit card account number, user name and the CVV code behind the credit card;

3. After the user has answered the staff’s questions After answering the question, you need to determine the cash installment period, handling rate, loan amount and other related conditions;

4. After completing the above process, the user only needs to wait for the bank's review. When a user applies for cash installment, the bank will review the user's application.

After the user applies to the bank and passes the review, the bank will transfer the funds to the user's savings card and then they can use it. When a user applies for a credit card loan business, the staff will confirm the use of the funds with the user. Credit card users must clearly inform them when applying. Only users who meet the purpose can apply for credit card loans.

How much can you borrow with a newly applied credit card?

If users want to use a credit card to get a loan, there are generally two ways. One is to apply for a credit card cash advance, and the other is to apply for a credit card loan. Credit card loans are additional installment services provided by banks. Users need to have a credit card issued by the bank to apply for a loan. The maximum loan amount that can be applied for a new card is generally 300,000. Generally speaking, you cannot apply for a loan with a newly issued credit card. However, there are also many banks that have credit card loan services, and users can go to the bank for consultation. This article mainly writes about the knowledge points about whether you can get a loan if you have a credit card debt. The content is for reference only.

4. Can I get a loan if I have a credit card debt?

This depends on the amount of the loan required, the purpose of the loan, and the repayment plan. Banks will check your personal statement, personal assets, etc., and some even check your character. Each bank focuses on different things, and some basic information is shared between banks. The key is to have a clear payment plan and repayment plan. After all, loans have to be repaid with interest, and it is critical to be able to use this loan to obtain better returns. Loans are divided into credit loans. If there is real estate as collateral, other requirements will be much lower. Generally speaking, as long as the credit card of the bank you are borrowing from is not overdue, it will be fine. If the credit card debt is relatively large, the bank will consider the borrower's repayment ability and may not lend too much. If it is a mortgage loan, there is no problem. You need The information is as follows:

1. Credit loan: ID card, work certificate, company address, company phone number, salary statement, residence certificate, water and electricity invoice, power transfer certificate, driving license, provident fund card, social security card are helpful In order to improve the overall score, 2. Mortgage loan: ID card, household register, marriage certificate, income certificate, bank statement, property certificate, land certificate (if married, provide information of both spouses).

Extended information: Bank loans mainly look at the following two aspects: 1. The bank considers your repayment ability. The bank mainly examines your financial strength and repayment ability. As long as your credit card is in normal use, no Overdue and bad credit records will not affect your loan application. The bank will comprehensively consider whether to lend and the loan amount based on individual circumstances. But if every card in your hand is seriously overdrawn, the bank will question your ability to repay.

2. My credit record If you have a debt on your credit card and have a bad credit record due to overdue repayment of the credit card, don’t rush to cancel the card. Canceling a credit card will not eliminate bad credit history. It is recommended to pay off the debt immediately to avoid interest compounding. For credit card bills with large amounts that cannot be paid off at once, it is more cost-effective to repay them in installments to avoid overdue credit cards. People's Daily Online - 200 yuan in arrears shatters people's mortgage dreams, banks remind credit card repayments to be timely