The normal use of JD.COM White Strips will not have any impact on mortgage processing. As long as the customer's age is up to standard, his house is compliant, his credit is good, he has a stable income, and he has the ability to repay the loan on time, he can generally get a mortgage loan smoothly.

However, due to the connection between JD Finance and the central bank's credit information system, if customers use JD.COM IOUs overdue, or find IOUs cashed, they will be reported to the central bank for credit information by the system, leaving a bad record in the personal credit report.

In this case, banks will find bad records in the borrower's credit report when handling mortgage loans, and banks may refuse to approve loans because of the borrower's credit problems and overdue risks.

Therefore, customers must regulate their behavior when using JD.COM IOUs, especially when repaying JD.COM IOUs, they must pay attention to the repayment period and form a good habit of repayment on time to avoid overdue behavior and affect personal credit.