I am a bank employee, responsible for personal loan installment, and I tell you responsibly that it will affect! ! ! First of all, the bank will check your credit inquiry times before approving the loan. If there are too many inquiries and micro-loans recently, it will directly refuse the loan unless you have contacts or your qualifications are good enough. If you apply for provident fund loans, the review will be more stringent. Because too many installments will lead to higher monthly payment, the income-debt ratio of mortgage is 2: 1, and your income must be twice the monthly payment. Therefore, it is recommended to use it less, or use a credit card for installment, and the installment interest is lower than that of the white note.