Users can have loans under their names when applying for mortgages. It's just that the amount of the existing loan under the name can't be too high, and the amount of the existing loan plus the amount of the mortgage can only be half or even less of the income every month, so that the repayment ability of the user completely covers the liabilities, and the probability of passing the mortgage review will be higher.

If the debt ratio is too high, banks will worry that users' repayment ability is insufficient, so they will increase the down payment amount of mortgage loans and raise the loan interest rate to reduce the lending risk.

What behaviors will affect the loan:

1. There is a record of overdue repayment.

If personal credit records are tainted and there are three consecutive or accumulated overdue repayment records, it will definitely affect future loan applications, especially under the current tightening credit policy, banks will either directly refuse to accept or disapprove, or reduce the applicant's loan amount and shorten the loan period.

2, the public * * * information has arrears or taxes:

Many cities will incorporate the overdue payment records of public utilities into the personal credit information system. If the loan applicant defaults on utilities, gas and mobile phone communication fees, it will also affect the personal bank loan application. Banks with more serious situations will increase the minimum payment ratio of applicants' down payment, or raise the loan interest rate and shorten the loan period.

How long will it take to approve the mortgage?

After the mortgage is approved, the length of bank lending time can be divided into two situations. The first is the housing provident fund loan, which is usually slow to lend. As a kind of social welfare housing loan, housing provident fund has a relatively low loan interest rate and a large number of people, so the examination and approval will be relatively strict and the loan period will be relatively long, ranging from 1-2 months to half a year. The second kind is commercial housing mortgage loan, which will be faster than provident fund loan, and usually you can get money about 1 month.

Before the mortgage loan arrives, customers are advised to avoid the following situations:

1. Apply for multiple loans or credit cards in a short time;

2. Guarantee for others and assume joint liability;

3. The credit cards and loans in his name are overdue at the time of repayment;

4. Cash out credit products such as credit cards, flowers, white bars and other illegal operations;

5. Resignation and job hopping lead to the payment of social security and housing provident fund.