Yes, if you have more than a dozen outstanding accounts in China Bank, with a total amount of about 20,000, and these accounts are all from loan platforms such as installment music and Gitzo, it may have an impact on your application for housing loan. The following are specific reasons:

1. Impact of credit record: These outstanding accounts will be shown in your credit report, which means that your debt level is high and you have outstanding debts to the bank. This may make banks worry about your repayment ability and credit risk.

2. Difficulties in loan approval: When reviewing loan applications, banks will assess your credit status and repayment ability. Because you have multiple accounts, the bank may think that your repayment ability is limited, which may lead to the rejection of the loan application or the low amount.

3. Pressure of ability to pay: If you have multiple loans to repay, taking on more housing loans may increase your financial pressure and make repayment difficult.

Summary: Holding multiple accounts is not conducive to your application for housing loans, because banks may consider your credit history and repayment ability. I suggest that you give priority to dealing with existing debts and improve your credit record, so as to increase the chances of success in applying for housing loans.

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Bank of China evaluates loan applications based on personal credit reports, debt status and other factors. The above answers are only based on the general situation, and the specific impact may change due to different bank policies and approval standards.