Some customers may encounter the bank's request to buy wealth management products when handling mortgage loans, but it does not mean that customers will be able to successfully pass the bank's approval and successfully handle mortgage loans after purchasing wealth management products.

Although the purchase of wealth management products is helpful to handle the mortgage to a certain extent, whether the mortgage can be approved mainly depends on whether the customer's personal credit is good; And whether there is a stable and legitimate source of economic income and the ability to repay the principal and interest of the loan on time.

The wealth management products that banks require customers to buy are only tied, mainly to complete the business volume of outlets. And customers can refuse directly if they don't want to buy it.

In fact, the CBRC has clearly stipulated that the "seven prohibitions" include the prohibition of tying loans, that is, banking financial institutions are not allowed to bind or bind financial products such as wealth management, funds and insurance when issuing loans or providing financing in other ways (in addition, it also includes the prohibition of lending, the prohibition of linking deposits with loans, the prohibition of charging by loans, the prohibition of dividing fees by floating profits, the prohibition of floating to the top, and the prohibition of transferring costs).