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Can I borrow online after the mortgage is approved?
Can I get a loan during the mortgage approval period?

The mortgage has been approved, but the loan has not been released. At this time, you can apply for other loans, but the credit inquiry will show the debts of existing mortgages, which may have a certain impact on the handling of other online loans. If my income is high, the impact will be low, and I can handle it normally ~

The mortgage has been approved, but the loan has not been made yet. Can I apply for online loan?

We all know that if you apply for a mortgage, then at this time, your housing sales department will tell you that it is best to pay off some of your previous loan business, because only in this way can you re-apply for a housing loan. After all, the bank has to evaluate your debt. If you have more debts, you will not be approved for a housing loan. So here I don't suggest that you refinance when the mortgage has not come down. Today I will talk to you about this problem and why.

First, the loan has not yet come down, which means that it has not yet been determined.

We all know that bank lending has a process. Although your online loan has been approved at this time, the bank has not relaxed its supervision over you at this time. If he finds that you have other online loans at this time, it means that your cash flow pressure is relatively high. Under such circumstances, the bank will re-examine the approved housing loan for you, so under normal circumstances, after this keyword, don't apply for online loans again.

Second, why do banks do this?

In fact, the reason why banks do this is mainly because in our personal loan business, the amount of housing loans is generally the largest, so banks must carefully consider your repayment ability. If your loan amount is relatively large, plus you have other online loans, then your debt ratio will be very high at this time, and your personal repayment will be affected to some extent.

Third, how to evaluate such a policy?

Many people think that our loan policy is conservative, mainly considering the financial stability. If you don't try to buy a house, you can get a loan from the bank. However, if you have to pay down, it is recommended not to choose to buy a house. After all, in this case, my loan pressure is very great, and it will even directly affect my normal life.

Can I use online loans after mortgage approval?

After the mortgage is approved, the user only needs to sign a mortgage contract and wait for the bank to approve the money. At this time, when the user applies for online loan products, the bank will no longer check the user's credit information, so the mortgage will not be affected by online loans. When applying for a mortgage, it is not recommended to apply for an online loan. On the one hand, it will increase users' liabilities, on the other hand, it will give banks a feeling of lack of money.

After the mortgage is approved, the user's application for online loan and credit card (debit card) will not be affected, and with the mortgage, the user is a quality customer, but it is easier to pass the audit.