It will not be affected.

1. Once the bank has approved the application, you can wait for 7 working days for the loan.

2. When a bank approves a loan, it only checks the credit before the loan is approved. If it is not reflected at that time or if it is approved in advance, there will be no problem.

3. A debt of more than 10,000 yuan is not too much. If the income is more than twice the monthly payment, there will be no problem.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. The bank will not make any negative comments on your usage records. It will only give you honest feedback on your historical usage records without any subjective judgment.

If you apply for a loan later, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase. "

Extended information:

Housing loan (provident fund loan) application conditions:

(1) Have a valid identity certificate;

(2) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

(3) Those who participate in the housing provident fund system must apply for housing provident fund loans. Provident fund personal housing loans must also meet the following conditions: that is, the period of continuous payment of housing provident fund for no less than six months before applying for the loan. If the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is insufficient. Stable, it is easy to create risks after issuing a house purchase loan.

(4) If one spouse applies for a housing provident fund loan, neither spouse can obtain a housing provident fund loan again before the loan principal and interest are paid off. Provident fund loans are financial support provided to meet the basic housing needs of employee families. They are a type of "housing security" financial support.

Baidu Encyclopedia - Housing Loans