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I am a company legal person, and the company currently has a credit loan. Does it affect my personal mortgage loan?
it has a certain impact, and if it is paid off in time, the impact will not be too great.

A legally established company is an independent legal person, which operates independently, assumes sole responsibility for its profits and losses, and bears legal liabilities independently with the company's property. If the company's property belongs to the company and is not the legal representative, the legal representative cannot occupy or dispose of the company's property without authorization. The economic disputes of the family members of the legal representative have nothing to do with the company, and the corresponding family members shall bear legal responsibilities independently. If the legal representative holds the equity of the company, and the economic disputes of family members involve money payment, the equity of the company held by the legal representative may be preserved or enforced.

under normal circumstances, creditors can't directly exercise compulsory rights, including the act of seizing property. But this is not absolute. Creditors can seize the debtor's property if permitted by law. Creditors are allowed to seize property under the following two circumstances: 1. If one party occupies the other party's property according to the contract, and the other party fails to pay the payable amount according to the contract for more than the agreed period, the possessor has the right to seize the debtor's property. Attention should be paid to the following points: (1) If the creditor does not possess the other party's property in advance as agreed in the contract, it cannot exercise the lien. (2) If the debtor's investigation has nothing to do with the property possessed by the creditor according to the contract, the lien cannot occur. (3) The debtor's debt has not reached the time limit for performance, and the debtor's property cannot be seized. It is necessary to properly exercise the right of attachment to protect one's rights because the creditor's rights are infringed because he fails to perform his debts at maturity. If the debt does not reach the exhibition period, the debtor may still perform the debt during this period, and there is no need to detain it.

2. When the debtor or a third party provides certain property to guarantee the debtor's performance of the debt, when the debtor fails to perform the debt, the creditor can seize the collateral and give priority to the realization of his creditor's rights with the value of the collateral.

in our daily life, for a company, the legal representative of the company is actually engaged in some business activities related to the company on behalf of the company, so he needs to bear a lot of responsibilities, including civil responsibilities and criminal responsibilities, and of course he has great power. According to the laws of our country, the legal representative of the company can apply for credit loans.

the conditions for applying for loan business are natural persons aged between 18 and 65; The actual age of the borrower and the loan application period should not exceed 7 years old; Having the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank. According to Article 3 of the Supreme People's Court's Provisions on Restricting the High Consumption of the Executed Person, which was revised by the Supreme People's Court in 215: If the Executed Person is a unit, the Executed Person, its legal representative, principal responsible person, persons directly responsible for debt performance and actual controller shall not engage in the following high-consumption and non-essential consumption behaviors: if the Executed Person is a natural person, after the consumption restriction measures are taken, The following high-consumption and non-essential consumption behaviors are not allowed:

(1) When taking the means of transportation, choose the second-class or above cabins of airplanes, trains and ships;

(2) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(3) purchasing real estate or building, expanding or high-grade decorating houses;

(4) renting high-grade office buildings, hotels, apartments and other places for office work;

(5) purchasing vehicles that are not necessary for operation;

(6) Travel and vacation;

(7) children attend private schools with high fees;

(8) paying high premiums to purchase insurance wealth management products;

(9) Other consumption behaviors that are not necessary for life and work, such as taking all the seats of the G-prefix EMU train and the first-class or above seats of other EMU trains.