1. Credit record: The loan record of online loan will be reflected in the personal credit report. If there are many online loan records and the repayment situation is not good, it will have a negative impact on personal credit rating.

2. Liabilities: Multiple online loans may increase the personal debt burden, resulting in a decline in the borrower's repayment ability, thus affecting the pass rate of mortgage applications.

3. Limit of loan amount: Banks will comprehensively consider the repayment ability and credit status of borrowers when approving mortgage loans. Excessive online loans may limit the amount of loans that borrowers can borrow.

4. Interest rate impact: If personal credit rating declines, it may lead to an increase in mortgage interest rate and an increase in loan cost.

Summary: Multiple online loans may have a negative impact on mortgage loans, including lowering credit rating, limiting loan amount and raising interest rate. Before applying for a loan, users are advised to check their comprehensive credit score of big data in Qingquan. The higher the score, the greater the probability that the loan will pass.