1. When approving mortgage loan applications, banks will comprehensively consider the applicant's credit history, not just whether there are outstanding loans. Therefore, even if there are outstanding loans, it is still possible to get new loans to buy a house.
2. Banks will comprehensively consider the following aspects when approving loans:
A repayment ability: the bank will assess the repayment ability of the applicant, including income, stability and liabilities. If the applicant has a stable income and repayment ability, the bank may still approve new loans even if there are outstanding loans.
B. Credit records: The bank will check the applicant's credit records, including credit records and repayment records. If the applicant has a good credit record, despite the outstanding loan, it may be regarded as a reliable borrower, thus obtaining a new loan.
C. collateral value: if the purchased property has sufficient value as collateral and can meet the requirements of the bank, the bank will usually be more inclined to approve the borrower's mortgage application.
3. Summary: When banks approve mortgage applications, they will not only take whether borrowers have outstanding loans as the basis for decision-making. Key factors include repayment ability, credit history and collateral value. Therefore, even if there are outstanding loans, borrowers may still get new mortgage loans.
4. Extended information:
In addition, different banks may have different requirements for loan approval. Some banks may pay more attention to borrowers' repayment ability and credit history, but they may be more lenient in outstanding loans. Therefore, before applying for a mortgage loan, it is recommended that the borrower consult a number of banks to understand the loan conditions and requirements of each bank and choose the most suitable solution.
These are the answers to the questions. Even if there is an outstanding loan, the applicant can still get a new loan to buy a house. The specific conclusion depends on repayment ability, credit history and collateral value. Applicants are requested to fully consider their personal situation and consult professionals when handling loans.