As long as personal credit can be maintained, there is no bad record in the credit report; And can provide enough economic income data to prove that they have the ability to repay the loan principal and interest on time, then the mortgage can usually be successfully approved.

Of course, it should also be noted that if there are too many loans in your name, it will lead to "spending money" on credit investigation and recording a lot of loan information; Moreover, if many of them are not paid off, the personal debt ratio will be quite high, which will inevitably have a certain impact on mortgage approval.

If sufficient information on economic income is not provided, banks may refuse to issue loans because they are worried about the instability of economic life and think that lending risks are greater.

So it's best to pay off the loan in your name first (if it's not finished for a while, you can pay off as much as possible), and then apply for a mortgage after reducing the personal debt ratio, so the chances of being approved will be higher.

You can also find a person with good credit to guarantee your mortgage; Or apply with your spouse or parents, so that the other party can also provide economic income information.

You can click Query in "Sixi Data" and enter information to query your credit data. The query results will show important data information such as personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card, estimated online loan credit amount, etc.

Extended data:

What if the mortgage bank does not approve the down payment?

If the mortgage bank does not approve the application, you can choose to refund the down payment you have paid together with the real estate developer, and then the down payment will naturally be refunded.

However, it should be noted that if you fail to pass the mortgage because of bad credit, then choosing to return a house is a breach of contract and you may need to pay a certain penalty. The down payment may not be fully returned, and the developer may deduct a part as liquidated damages.

Therefore, in the face of mortgage failure, it is not recommended to choose to check out directly. In fact, we can check the reasons for the failure first. If the problem is not serious, it can be remedied.

For example, if only the information provided is wrong or incomplete, you can supplement and improve the information and apply again; If you have more debts under your name, you can repay some of them first and then try to apply; You can also apply for another bank directly; Or you can increase the down payment and reduce the loan amount.

Of course, if the mortgage can't be done because of the developer's problems, such as incomplete documents, there is no way but to return a house, but in this case, you can usually get back all the down payment. After all, the liability for breach of contract is not there.