Legal analysis: mortgage loans will still affect mortgage loans to a certain extent, because mortgage loans under personal names also need to be counted as personal debts. In the bank mortgage loan, we must see whether the debt under the individual's name is high or not, and the high debt will definitely affect the individual's repayment ability. Banks should be cautious when applying for loans, and now the bank's audit is also stricter. After many audits, it will be confirmed that the applicant meets the requirements of the bank before applying for a loan.

Legal basis: Article 9 of the Interim Measures for the Administration of Personal Loans, the lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed his repayment ability.