Is there a conflict between online commercial loans and mortgage loans?
In fact, as long as users normally use online commercial loans and have sufficient repayment ability, it will not affect users' application for mortgage loans. Most banks require that the debt ratio of users applying for loans should not be too high. If the user's online commercial loan debt plus mortgage debt does not exceed 30% of the user's monthly income, then many banks are still willing to lend money to users.
However, it should be noted that the online commercial loan is your last loan. If users use it frequently and apply for it several times a month, there will be many hard queries about users' personal credit information, which may affect the approval of mortgage loans. In the financial circle, if the user's personal credit information is hard queried several times in a month, it may lead to the consumption of credit information.
Does online merchant loan affect mortgage 20 times?
If the user has 20 loan records of online business loans within half a year, it will affect the approval results of mortgage loans. The bank's approval of mortgage needs to be decided according to the comprehensive qualification of users, and multiple factors such as economic strength, debt degree and bank flow will affect the approval result.
As a micro-loan, online commercial loans are not very popular with banks. If users frequently use online commercial loans within six months, banks may doubt their repayment ability. Of course, if users have inquired about online commercial loan records 20 times in the past two years, the possibility of mortgage application passing will increase.
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