It has an impact.

For credit card installments, the repayment of each installment will be calculated as a liability. When applying for a mortgage loan from the bank, the bank will use the borrower's repayment ability and comprehensive score through the banking system.

If the debt is too high and the score does not meet the bank's passing score, the bank will refuse credit. Of course, if your income is high and your credit is good, it won't matter.

The specific examples are as follows:

For 2W installment, the monthly repayment is 700 yuan, and for the loan installment, the monthly repayment is 2,000 yuan, so the loan amount will cover twice the 2,700 yuan. If there is no proof of income and turnover of the 2W installment, it will cover twice the amount of 2,000

The above is the impact. The mortgage loan is not good enough and the money cannot be loaned out.

Extended information

Business type

From the perspective of installment payment, the starting amount of a single transaction for cardholders to handle this business is limited. The standards for installment repayment and handling fees are also different:

The first type is carried out by banks in cooperation with special merchants, but the products

The second type is products provided by banks. Catalog, the cardholder selects and purchases from the catalog, and the bank entrusts the supplier to deliver the goods to the customer;

The third category is that it is not necessary to limit the bank to apply for installment repayment, and some banks even accept it The scope is set to global.

Classification

Most domestic banks have credit card installment business. Installments are generally divided into shopping mall (POS) installments, online, mail and other methods according to different occasions. "Mail order installment" and account

Mall installment

Also known as POS installment, it means that the cardholder goes to the shopping place and makes purchases at the "mall" where installment can be carried out. Credit card instructions require Pay in installments (such as 3, 6, 12, etc., a few shopping malls support 24), and swipe your card at a dedicated POS machine.

Note: When doing shopping mall installment, cardholder identity verification is required, so remember to bring it.

Mall installment is generally free of charge for three installments. Products with 6-month and 12-month charges can be staged as long as they come from the shopping mall. In many cases, cardholders can also bundle multiple items together for checkout and then proceed

Reference source: Baidu Encyclopedia: Credit Card Installment