Strictly speaking, online lending will not affect the mortgage, but some factors will affect the mortgage:

1, Shangxin Online Loan:

For example, Tencent micro-loans, Alipay loans, online business loans, Suning discretionary loans, and consumer finance loans will all conduct credit inquiry before applying, leaving inquiry records. This is a hard inquiry, which proves that you have applied for loans frequently in the near future, which will have a certain impact on the mortgage review. If you check too much, your financial situation will be very poor, and the bank will suspect that you are short of money.

Reminder: Being investigated for more than 3 times in a month has more or less influence on the mortgage, and the repayment ability cannot be guaranteed. I suggest you go to Yingxin to quickly check your online loan big data report and check the pre-loan risks in time.

2. Credit card cash installment and bank consumption loan:

In fact, the interest rates of these products are not particularly low, but the products of financial institutions applying for banks are still relatively friendly, and banks can also check your liabilities through credit records and bank running water. As long as the monthly income can withstand the repayment pressure, it is easy to get a loan.

3. Repaid online loans:

Although it is said that applying for too much online loan credit information will affect the mortgage, the online loan record has little effect on the mortgage, and the online loan that has been repaid has basically no effect. If the repayment pressure of the online loan being repaid is too great, it will have a certain impact.

4. The impact of overdue online loans is very great:

The most important information in credit records is overdue records (credit cards, housing loans, car loans, consumer loans, etc. ), and the other is the housing loan record. If three consecutive overdue times are accumulated for six times, the bank will directly refuse the loan.

Extended data:

What problems should I pay attention to when handling a mortgage?

1, need to pay attention to credit. The mortgage application is very strict. Generally speaking, it is difficult for people with bad credit records to successfully apply for a mortgage.

2. Pay attention to the reasonable choice of mortgage term. Although the term of bank mortgage loan can be as long as 30 years, you must choose a reasonable term according to your income.

3. Pay attention to whether there is enough repayment ability. The most important repayment ability of mortgage is bank running water, so what are the requirements of bank mortgage for running water? Generally, the bank flow with relatively stable income, continuous bank flow and high income at a relatively fixed time every month is the most suitable. As salary income, it will be better to contribute to the public account. The balance in the bank running water is not important, but try not to transfer large amounts at a fixed time every month. For example, if the salary is paid on the 8th of each month, the salary will be fully withdrawn on the 9th of each month, which will affect the repayment ability assessment. If there are more than one bank card, it can provide the bank card running water with the most ideal income, and it can also provide the lender with the running water bill of multiple bank cards at the same time.

Finally, we need to remind everyone that after applying for a mortgage, the borrower must use the loan reasonably in accordance with the loan contract. If there is a breach of contract stipulated by the bank, the bank has the right to recover or stop the loan in advance, and investigate your liability for breach of contract.

Can I use online loans in the review of mortgage loans?

During the mortgage review, it is best not to use online loans.

Because the mortgage has not been approved during the review period, the use of online loans will leave usage records in their own credit records and big data, which is not conducive to mortgage approval.

Can I use online loans after the approval of the mortgage bank?

After the approval of the mortgage bank, as long as the application duration is not too long, the bank generally does not check the credit information twice. Therefore, after the mortgage is approved, users can try to apply for online loans. Because mortgage is a large debt, applying for online loan may not pass the examination. As long as users have good credit and strong repayment ability, the probability of applying for online loans is relatively high.

Generally, online loans are small loans. As long as the loan amount is not high, you can apply for a mortgage with online loans.