Car loan will not affect the loan to buy a house. Car loan has no direct impact on mortgage, because mortgage will not review the situation of car loan, but it should be noted that car loan may affect the amount of mortgage. If the income is several times of the monthly car loan, then whether there is a car loan under the name basically has no effect on the loan to buy a house. However, if the income is not much different from the monthly payment of car loan, then the car loan is likely to affect the mortgage amount and apply for a mortgage.

Factors affecting housing loans

1. Room age:

If the house is too old, the liquidity of the house will be poor, and the bank will evaluate it according to the time and reduce the mortgage loan amount accordingly. I believe that buyers have a deep understanding of the low loan amount caused by the age of the old house.

Therefore, when buying a house, we must pay attention to the age of the house. If you need a lot of loans, try not to choose older houses, and some will even be directly rejected by banks. Generally speaking, the smaller the sum of housing years and loan years, the better, no more than 30 years.

2. Income:

The bank will reversely evaluate your income according to your monthly mortgage repayment. If the monthly payment exceeds 50% of the income, the mortgage application may be rejected directly. Nearly 50% of bank loans are likely to be insufficient or even directly refused.

3. Real estate market policy:

According to market trends, real estate development and other factors, the government will introduce relevant real estate market regulation policies to maintain the stable development of real estate. Banks will also adjust their loan policies according to government policies. If they happen to be in the stage of tightening residential secured loans, the amount of loans they apply for is likely to be insufficient.

4. Provident Fund account balance:

The interest rate of provident fund loans is much lower than that of commercial loans. Many people will regard provident fund as the first choice for lenders, and combine the insufficient part with commercial loans. But we know that provident fund loans are directly related to the balance of provident fund accounts. The more the balance, the greater the loan amount.

People who work in the company basically have provident fund, and the account balance is related to the years of deposit, base, salary and other factors. The higher the salary, the higher the payment base and the longer the service period, the more the balance of the provident fund account will naturally be. However, some people have already withdrawn the provident fund, which will also affect the loan amount. If the withdrawal account balance is 0, you cannot apply for provident fund loans.

Does the car loan affect the loan to buy a house

Car loan will not affect the loan to buy a house. Car loan has no direct impact on mortgage, because mortgage will not review the situation of car loan, but it should be noted that car loan may affect the amount of mortgage. If the income is several times of the monthly car loan, then whether there is a car loan under the name basically has no effect on the loan to buy a house.

However, if the income is not much different from the monthly payment of car loan, then the car loan is likely to affect the mortgage amount and apply for a mortgage.

Before applying for a loan, you must make sure that you have met the loan conditions, such as paying social security in full, having valid identity documents, and having no bad credit records. And the loan conditions required by different banks are different. Ask clearly before applying, so as not to be busy in vain.

Factors affecting buying a house with a loan

1, room age:

If the house is too old, the mobility of the house will be relatively poor. Banks will evaluate according to the times and reduce the mortgage amount accordingly. I believe that older buyers with low loan amount have a deep understanding.

Therefore, when buying a house, we must pay attention to the age of the house. If you need large loans, try not to choose older houses, and some will even be directly refused loans by banks. Under normal circumstances, the smaller the sum of the house age and the loan period, the better, not more than 30 years.

2. Income:

The bank will reversely evaluate your income according to your monthly mortgage repayment. If the monthly payment is higher than 50% of your income, the mortgage application may be rejected directly. Nearly 50% of bank loans are not enough, and even the possibility of directly refusing loans is extremely small.

3, the property market policy:

According to market trends, real estate development and other factors, the government will introduce relevant property market regulation policies to maintain the stable development of real estate. Banks will also adjust their loan policies according to government policies. If it happens to be in the stage of bank tightening mortgage, the loan amount applied for is likely to be insufficient.

4. Provident Fund account balance:

Compared with commercial loans, the interest rate of provident fund loans is much lower. Many people will regard provident fund as the first choice for lenders, and the insufficient part will be combined with commercial loans. But we know that provident fund loans are directly related to the balance of provident fund accounts. The more balance, the more loans can be issued.

People who work in the company basically have provident fund, and the account balance is related to the years of deposit, base, salary and other factors. The higher the salary, the higher the payment base and the longer the service life, the more the account balance of the provident fund will naturally be. However, some people have reduced the balance due to the withdrawal of provident fund, which will also affect the loan amount. If the account balance is 0, you cannot apply for provident fund loans.

Will having a car loan affect the mortgage?

In principle, no matter what kind of loan application, as long as it meets the requirements of the loan and is prepared with complete information, it can be applied, and there will be no influence between loan products.

However, in the actual loan process, the same applicant applies for a car loan first and then a mortgage. In addition to whether your loan requirements are met, the lender should also consider a problem, that is, your repayment pressure. To put it bluntly, if you pay back 2,000 yuan of car loan and 3,000 yuan of mortgage every month, can you afford it?

In other words, in fact, car loans will not affect mortgages, but only if you need to provide sufficient proof of repayment ability. For example, as mentioned in the above example, the monthly payment of car loan and mortgage is as high as 5,000 yuan, so your income is above 1 10,000, so it doesn't matter. On the contrary, if you can't meet this standard, if you apply for a car loan and a mortgage, the lending institution will put a big question mark on your repayment ability. In this case, the car loan agency will put a big question mark on your repayment ability.

Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.