Let me remind you again that when you apply for a personal housing loan, your credit situation before and after will determine the approval of the bank loan. Even if the bank has approved the relevant results, it will still recover the loan because of some risky problems. This situation has happened in real cases.
First, it is not recommended that you use the loan during the approval of bank mortgage.
For those users who are applying for personal housing loans, when you apply for personal housing loans, the bank will retrieve your personal credit history. The promotion record is refreshed every 7 days, but no one knows when. Strictly speaking, if the bank only picks up the personal credit report when refreshing the record, your credit report will show the application and use information of the loan.
Second, the bank will also comprehensively evaluate your previous credit history.
Now that you have asked this question, it means that there is something wrong with your current short-term cash flow. Some people may borrow money everywhere before buying a house, not only like relatives and friends, but also overdraw credit cards or other loans. Your records will be displayed in your personal credit information. Now banks are very strict about personal credit reporting. Once it is found that the user has no repayment ability, the bank will not approve the relevant loan.
Third, the bank will also check your salary records.
Even if there is no problem with your personal credit, the bank will refer to your income and finally decide whether to approve the quota. In most cases, the bank will withdraw your income within 24 months. If the bank finds that your income level is difficult to repay the monthly payment, the bank will generally not approve the loan. In a word, I hope you can do what you can. Buying a house is a good thing, but don't overdraw your future cash flow because of buying a house. This will not only bring risks to the bank's financial system, but also bring pressure to your life and reduce your quality of life.
To sum up, I hope this answer can help you.