You can apply for online loan before mortgage, but it is best not to apply too often. Some online loans are accessed by the central bank for credit information, and relevant records will also be reported for credit information if applied. At that time, when the mortgage handling bank inquired about the credit information, it found that it applied for a number of other loans at the same time when applying for a mortgage, which inevitably worried that its economic life was unstable and its repayment ability was insufficient due to excessive debts, which might also affect the subsequent mortgage lending.

It is suggested that if you are not in urgent need of funds, you'd better wait for a while before applying for a new loan.

Too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check your big data in Xiaoqi Credit Information to provide accurate information for debtors, people who apply for too many online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan applications, credit reports, etc. , so that you can better understand your credit status.

Extended data:

Is there an online loan to buy a house?

Whether the mortgage can pass the examination and approval mainly refers to three factors: personal mobility, credit record of the central bank and whether there is guarantee. Whether online loans will affect mortgages depends on specific circumstances.

The data of the central bank's credit information system mainly comes from and serves credit institutions such as banking financial institutions, while the credit data of new credit platforms such as online lending institutions and online microfinance institutions are outside the credit information system.

If the borrower can't get credit online, it won't affect the mortgage.

There is a trick. If you go to the central bank for credit investigation, the borrower will be required to sign a letter of authorization for credit investigation, and the user will agree to lend money after checking. Only I or written (electronic) authorization, institutions can query the user's credit record.

In addition, there are several outstanding online loan records, so the problem is not big. But don't apply for loans from multiple lending institutions in a short time. If a number of lending institutions are authorized to inquire about personal credit information, it will also be recorded in the credit information report, so that the bank will judge that the borrower is short of money and has insufficient repayment ability, which will affect the mortgage approval.

If you want to apply for a bank loan to buy a house, you can first ask the loan bank what conditions are needed to apply for a housing loan. For example, ICBC stipulates that the overdue period of individual housing loans in recent 12 months shall not exceed 12 months; The applicant has a stable income and the ability to repay in full and on time; Ability to pay down payment; There are valid guarantees recognized by ICBC and so on.