If the car loan is not settled, it is regarded as a personal debt. If the personal income is not enough to support the repayment of the car loan and the provident fund loan to buy a house at the same time, it will lead to the reduction of the mortgage amount, and the bank will think that the borrower's repayment ability is insufficient. If the car loan is overdue, it will have a negative impact on personal credit information, leading to the failure of the provident fund mortgage review. Car loan will have a certain impact on the provident fund loan to buy a house.