Credit card installments do have an impact on loans. When you pay in installments via a credit card, the monthly repayments are considered a liability and banks will take this factor into consideration when approving a home loan, assessing your ability to repay the debt by reviewing your proof of income and credit profile. If you have too much debt, it could affect your overall score and put your loan application at risk of being rejected. For example, if you have an installment of 20,000 yuan and need to repay 700 yuan per month, plus the mortgage loan of 2,000 yuan, the total amount that the income certificate needs to cover will be twice the 2,700 yuan. If you remove the installments, you only need to cover twice the amount of 2,000 yuan.

Especially for Provident Fund loans, having too much debt may make Provident Fund loans unavailable. Different loan types, such as mortgages, may be slightly better, but overall, credit card amortization does make the loan application more difficult.

In addition, the types and processes of credit card installment business are also different. It can be roughly divided into cooperation between banks and merchants, banks providing product catalogs for purchase, and global installments that do not limit merchant products. For shopping mall installments, such as POS installments, you usually choose to pay in installments when shopping, but you need to pay attention to identity verification and may need to pay installment fees.

In general, the impact of credit card installment payments on your loan mainly depends on your debt ratio and credit profile, as well as the specific loan type and bank requirements. When applying for a loan, make sure your debt is within a reasonable range and provide sufficient proof of income to support your ability to repay.