You can apply for a mortgage loan with a bank difference loan, but the probability of being able to apply for it is relatively small. Because the bank also needs to review the information submitted by the party, if the bank finds that your record is not good, then the bank will not approve your application to that extent.

1. Can I apply for a housing loan with a bank loan?

Buying a house is also a need of many people, especially today’s young people who may want to buy a house before getting married. However, some young people do not have any financial management concepts at all, so these young people usually live in People will spend money randomly or take loans on some online supervision platforms, but these people do not repay the money according to a fixed time, which will have a negative impact on their personal credit records. So at this time, everyone will have a lot of problems when taking out a loan to buy a house. If your personal credit is not very good, then the bank will not approve your application to a large extent.

2. Specific analysis

Theoretically, you can apply for a mortgage at a commercial bank, but the probability of your application being approved is still relatively small, so it is best for you to ensure that in your life Have a good credit record. Non-performing bank loans refer to loans made by banks to individuals or enterprises, and the enterprises are very overdue for repayment or even have no ability to repay, resulting in the bank being unable to recover the funds for a long time. Non-performing loans can be said to be "cancers" in banks, eroding the bank's profits or capital, and in serious cases can cause bank bankruptcy. Therefore, banks also hate this kind of people very much. The banks themselves will be particularly cautious when reviewing the information submitted by the parties.

3. Conclusion

In fact, this is also very normal. If the commercial bank’s own life is not particularly strict, it may cause the commercial bank to have these problems in the process of operation. question. Therefore, everyone must ensure that their personal credit record is good, so that it will not have any negative impact on your personal life and work.