If the credit card debt is not repaid, resulting in personal credit problems, the person cannot get a loan to buy a house.

According to Article 5 of the "Personal Housing Loan Management Measures", the borrower must meet the following conditions at the same time:

1. Have a permanent urban residence or valid residence status;

2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan;

3. Have a contract or agreement to purchase a house;

4. No housing subsidy No less than 30% of the total price of the house purchased should be used as the down payment for the house purchase; if there is a housing subsidy, 30% of the personal share should be used as the down payment for the house purchase;

5. Approved by the lender assets as mortgage or pledge, or an entity or individual with sufficient repayment capacity as a guarantor;

6. Other conditions stipulated by the lender.

Extended information:

Article 36 of the "Commercial Bank Law of the People's Republic of China": For commercial bank loans, the borrower shall provide guarantee. Commercial banks shall strictly examine the guarantor's repayment ability, the ownership and value of the mortgage and pledged property, and the feasibility of realizing the mortgage and pledge rights. If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required.

Article 40: Commercial banks shall not grant credit loans to related parties; the conditions for granting guaranteed loans to related parties shall not be better than the conditions for similar loans to other borrowers. The related parties mentioned in the preceding paragraph refer to:

(1) Directors, supervisors, managers, credit business personnel of commercial banks and their close relatives;

(2) The persons referred to in the preceding paragraph; Companies, enterprises and other economic organizations where listed personnel invest or hold senior management positions.

Baidu Encyclopedia - Personal Housing Loan Management Measures