When applying for a mortgage loan, the situation of capital and liabilities is an important factor to consider whether the loan is approved. If the debt is too high, it may have a certain impact on applying for a loan. In addition, the level of debt also has an impact on an individual's credit status.

First of all, banks or financial institutions will conduct personal credit evaluation when approving loans, including checking personal credit reports and liabilities. If your debt is too high, it may have a negative impact on your credit rating, which may reduce your chances of getting a mortgage.

Secondly, higher debt will also increase your repayment pressure, and lending institutions will evaluate your repayment ability. If the debt is too high, you may not be able to bear more loan burden, which will affect the approval of the loan.

Before applying for a loan, I suggest you make a comprehensive evaluation of your debt. You can know your debt by looking at your online loan history, overdue details of online loans, debt situation, untrustworthy information and blacklist of online loans. At the same time, you can also reduce your debt level by simplifying consumption and increasing income, and improve the chances of loan approval.

Finally, no matter how high the debt is, it is important to follow the laws and policies of financial institutions, provide true and accurate information, and choose appropriate loan products according to your own situation. This can improve the chances of loan approval.