It has a certain impact, but the borrower does not need to pay off all the online loans when handling the mortgage. Because the borrower has applied for a mortgage, banks and lending institutions mainly check whether the borrower's credit is good by querying the borrower's credit report, and whether the borrower's economic life is stable, whether he has the ability to repay on time and whether his debt is too high by querying the income certificate and asset certificate provided by the borrower.

If the borrower has good credit, stable economic life, low debt and certain repayment ability, the bank or lending institution will usually approve the loan. Will not take the initiative to ask the borrower about the online loan.

1. What information do I need to prepare for mortgage?

1. If you need to prepare a loan application, you can go directly to the bank and fill in the relevant information truthfully.

2. My ID card, including your ID card and your household registration book, can be fully prepared if you have a passport or a police officer's card.

You also need to prepare a personal proof of marital status. If you are married, you need to prepare a marriage certificate. If you are not married, you need to go to the civil affairs department to issue a single certificate.

It is important to prepare personal income certificate, because the bank should consider whether you have repayment ability, such as your salary running bill. To start a company, you need to provide a tax payment certificate.

5, but also provide proof of the purchase contract and down payment.

6. If this house belongs to someone else, another person also needs to provide his own identification and so on.

Second, what are the conditions for applying for a mortgage?

1, first you need to meet the age requirement. If it is a male, you need to be over 18 years old, but not over 65 years old. The woman's age is over 18, but not over 60, and she must have full capacity for civil conduct.

2. Have a stable income, because after all, you have to pay interest on time every month.

3. If you buy a second-hand house, you must have a real estate license of the second-hand house, which meets the conditions for listing and circulation.

4. Also check whether the house is in the state of demolition or mortgage.

Third, the process of handling mortgage loans.

1, Step 1: First, the lender needs to apply to the bank and prepare complete information for the bank to review.

2. Step 2: After receiving the relevant information, the bank will review the qualifications of individuals, and if there is a property that needs to be mortgaged, it will also evaluate the property.

Step 3: If the loan conditions of the bank are met, the bank will sign a contract with the lender to transfer the loan amount to the designated account within a certain period of time.