1. Impact of credit records: These outstanding accounts will be shown in your credit report, which means that your debt level is high and your bank debt has not been settled. This may make banks worry about your repayment ability and credit risk.
2. Difficulties in loan approval: The bank will evaluate your credit status and repayment ability when reviewing the loan application. Because you have multiple public accounts, the bank may think that your repayment ability is limited, which may lead to the rejection of the loan application or the low amount.
3. Pay ability pressure: If you have multiple loans to repay, taking on more housing loans may increase your financial pressure and make repayment difficult.
Summary: Holding multiple public accounts is not conducive to your application for housing loans, because banks may consider your credit history and repayment ability. It is suggested that you give priority to the existing liabilities and improve your credit record to increase the chances of success in applying for housing loans.
Related extension materials:
Bank of China evaluates loan applications based on personal credit reports, debt status and other factors. The above answers are only based on the general situation, and the specific impact may change due to the different policies and approval standards of banks.