Whether the personal business loan will affect the mortgage and bring adverse effects to the mortgage application depends on the specific situation. Under normal circumstances, as long as the borrower keeps a good record of repayment on time, there is no bad record such as overdue on the personal credit report, and the personal credit is good; And you can provide sufficient information to prove that you have the ability to repay the loan principal and interest on time, so the personal business loan you applied for before will not have any impact on the mortgage.

Risks that may be encountered in applying for operating loans

I. Financial risks

Most small and medium-sized enterprises don't pay much attention to finance, and some even don't have professional accountants, which leads to casual account handling, no clear running account and low reliability of accounts.

Therefore, when applying for business loans, small enterprises must pay attention to the professional handling of finance, and can reflect their own business ability through accounting.

Second, operational risk.

The development momentum of small enterprises in the initial stage is often not very good, especially in the case of lack of funds and insufficient capital accumulation, their sales, employees and assets are relatively small, production and operation costs are relatively high, and their ability to resist risks is not good enough.

Secondly, for some enterprises with low output value, such as small agricultural enterprises, the added value of products is low, belonging to the lowest end of the industrial chain, and the scientific and technological content is relatively simple, so the future development prospects may not be excellent enough. There are also some enterprises with long production cycle, such as R&D type and planting type. The capital utilization rate of enterprises is very low, and the production efficiency is not high, which eventually leads to the possibility of bankruptcy.

Mortgage application process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.