According to the inquiry of China Travel Service. There is no direct relationship between the two, but banks will consider the repayment ability of individuals. Car loans belong to consumer loans and mortgage loans belong to commercial loans. From a policy point of view, the two will not have an impact. Regardless of whether the borrower applies for a mortgage or a car loan first, the bank will measure the borrower's repayment ability and decide whether to issue a loan based on the debt situation.