According to your question, you can consider the debt situation when you buy a house with a loan, but it needs to be decided according to the individual's specific situation. First of all, you need to calculate your debt burden ratio, that is, the ratio of monthly debt expenditure to total income. Generally speaking, a debt burden ratio of more than 30% may affect your repayment ability, and banks will also refer to this indicator when approving mortgages.

Secondly, besides the debt ratio, you should also consider your credit history. If your liabilities are in the compliance category and you have a good credit record, then if you borrow money to buy a house, the bank is more likely to give you a loan. However, if your online loan has many overdue records, it may have a certain impact on your loan application.

If there are overdue records of online loans, you can use Xiaoqi Credit Information and other similar platforms to inquire about your online loan history, overdue details, and whether there is debt, untrustworthy information or whether it is on the online loan blacklist. Although overdue online loans have little impact on personal credit status, overdue records will still remain in online loan big data, which may have a certain impact on bank loan approval.

In short, you can consider buying a house with a loan when you are in debt, but you need to comprehensively consider your personal debt burden rate and credit history. I suggest you carefully analyze your financial situation before applying for a loan, choose the appropriate loan amount and repayment period, and improve your credit record as much as possible. Please consult a professional financial institution or financial advisor to evaluate your loan application prospect more accurately.