Buying a car and a house has become just the need of every family, and it is also the life goal of some people. Therefore, many people will buy these two kinds through loans. So, will buying a car loan affect buying a house loan? What should I pay attention to when buying a house loan? Today, Bian Xiao will analyze the mutual influence of these two kinds of loans.

First of all, car loans affect mortgages.

Buying a car loan will affect buying a house loan. First of all, our debt service ratio has a direct impact. This is because banks will measure borrowers' repayment ability according to the debt repayment rate. If you buy a car by mortgage, the car loan has not been paid off, your income is not high, and the debt repayment rate is not up to standard, you can't borrow money to buy a house.

Second, the housing loan matters needing attention

1, do your best

Buying a house is not only a simple down payment, but also a long-term monthly payment. The more down payment, the less monthly payment. We must also pay interest. If the loan term is longer, the loan amount is larger, and the interest paid will be more, which will increase your repayment pressure. Of course, if you pay in full, you can ignore these.

2, the material should be true

Before the loan, the bank will conduct qualification examination according to the materials and personal situation provided by the applicant. If the loan buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's review, unable to issue loans, and unable to realize the dream of living in peace; To make matters worse, it may be because individuals have provided false materials, which makes it impossible to apply for loans.

3. Advance payment

For some friends, they may want to pay in advance, which is not impossible. However, there are some conditions and requirements. For example, partial prepayment should be made after 1 year repayment, and the amount returned should exceed the repayment amount of 6 months, depending on the provisions in the loan contract.

Finally, the article concludes: The above is all about whether car loan affects mortgage. For ordinary people, step by step is safer. If your repayment is overdue and recorded by the bank, it is really not worth the loss.

Will the loan to buy a car affect the loan to buy a house?

As long as the car loan repayment is normal and the housing loan can be repaid normally, the application for house loan will not be affected.

According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower shall meet the following conditions at the same time:

1, with urban permanent residence or valid residence status;

2 have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4. If there is no housing subsidy, not less than 30% of the total price of the purchased house shall be used as the down payment for the purchase; If there is a housing subsidy, 30% of the personal commitment will be the down payment for buying a house;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lender.

Extended data:

"Measures for the Administration of Individual Housing Loans" Article 12 The interest rate of individual housing loans issued by credit funds shall be lowered according to the statutory loan interest rate (excluding floating). That is, if the loan term is less than 1 year (including 1 year), the legal loan interest rate for less than half a year (including half a year) shall be implemented; If the term is 1 to 3 years (including 3 years), the legal loan interest rate of 6 months to 1 year (including 1 year) shall be implemented;

If the term is 3 to 5 years (including 5 years), the legal loan interest rate 1 to 3 years (including 3 years) shall be implemented; If the term is from 5 years to 10 year (inclusive), the legal loan interest rate of 3 years to 5 years (inclusive) shall be implemented; If the term is more than 10 year, it will rise appropriately on the basis of the legal loan interest rate of 3 to 5 years (including 5 years), and the maximum floating rate will not exceed 5%.