Many people are affected by some factors when applying for mortgage, which leads to the reduction of mortgage amount. Some people often use ants to borrow money and small loans. Then, will the use of ant borrowing and micro-loan affect the mortgage amount?

With the rapid development of internet finance, cash loan products such as "borrowing money" and "micro-loan" have also appeared in Alipay, WeChat and other apps that are often used in our mobile phones. Because these products often have the advantages of quick arrival time and quick installment, they are favored by many young people, especially some people have reached the quota of100000 or even 200000.

The use of such products will also lead to the occupation of our mortgage loan quota. In other words, when the lender applies for a loan, the bank will give the lender a quota through rating. If the lender has lent some funds in advance through products such as "borrowing" and "micro-lending", the bank will subtract this part from the original quota when approving the quota, thus virtually reducing the lender's actual loan approval quota.

For example, if we borrowed 50,000 yuan for consumption before buying a house, now we decide to apply for a house loan from the bank, and the bank gave us a quota of 500,000 yuan. However, since we have already lent 50,000 yuan by borrowing, we actually only got the approval of 450,000 yuan.