Because some online loans are overdue and reported to the credit information system, the bank will check your credit information report when handling the mortgage for you. When you see that your credit information is not good, if the online service is overdue, it will be difficult to approve the mortgage.

Some online loans are not available for credit reporting, and overdue loans have no effect on your credit reporting. The mortgage given to you by the bank is mainly based on your credit information and bank flow.

Extended data:

Conditions for applying for mortgage loan

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.

2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.

3. Have a good credit record and willingness to repay, and no bad credit record.

4. It can provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Open a personal settlement account in the bank.

References:

Baidu encyclopedia-personal housing loan