If the credit card amount is sufficient, you can swipe your card, the loan will not be affected, and you can repay it in time before the repayment date. Conducive to future loans, credit will show better. Timely repayment with more credit cards will increase the possibility of loan amount. The specific loan conditions and procedures are as follows: \x0d\ Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (national debt) pledge loans, etc. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. Bank loan requirements: persons who are \x0d\( 1) at least 18 years old, have full capacity for civil conduct, are under 65 years old (inclusive), and have permanent residence for urban residents or valid identity cards for the next year; \x0d\(2) Pay down payment; \x0d\(3) It has stable legal income and the ability to repay interest; \x0d\(4) When applying for a loan, the property buyers should get free funds not less than 30% of the purchase price. \x0d\(5) The borrower agrees to use the purchased house and its rights and interests as collateral; \x0d\(6) The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the local government; \x0d\(7) The purchased house is not within the scope of the demolition announcement. \x0d\(8) Other conditions required by the lending bank. \x0d\ Loan amount: The specific loan amount is determined by the bank according to the borrower's credit standing and the guarantee provided. With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Where individual commercial housing is mortgaged, the maximum loan amount shall not exceed 60% of the value of the mortgaged property. Materials to be submitted when applying for a loan The borrower applies to the bank, fills in the application form in writing and submits the following materials at the same time: \x0d\ 1. Valid identity documents; \x0d\2。 Permanent residence or valid residence certificate, permanent residence certificate; \x0d\3。 Proof of marital status; \x0d\4。 Proof of income or personal assets; \x0d\5。 For mortgage loan, it is necessary to provide the ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal co-owner), the proof of marital status and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report; \x0d\ Consequence of not paying the loan: \x0d\ 1. The lending bank will lend to the collection period according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (auction collateral after deducting the deposit, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. \x0d\2。 Credit will be affected and will be recorded in the national bank credit information system, and loans under personal names will also be recorded in the national personal credit information system for overdue loans. If the loan bank does not erase the records, it may not be able to get all the bank loans in the future. If you are not maliciously in arrears with the bank loan and are able to pay the interest on the normal loan, I suggest that you apply to the loan bank for loan extension first, and explain the willingness to repay, the fact that you are temporarily unable to repay and the plan for future repayment. Under normal circumstances, the bank will help.