Spread out completely

It is generally not allowed.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

2. Can I borrow money to buy a house if the car loan has not been repaid?

In theory, if the car loan has not been paid off, you can borrow money to buy a house. However, whether the loan can be granted or not depends on the actual situation of the lender. It depends on what kind of loan the applicant wants to apply for, how many loans to apply for and how long the loan application period is. This is also inseparable from the loan institution chosen by the applicant. Banks always have higher requirements for applicants and strictly control the applicant's asset-liability ratio. The asset-liability ratio exceeds 40%, and banks will hardly consider lending. But it will have an impact. The so-called influence is divided into two parts. One is the loan qualification of housing mortgage loan, which is not affected by car loan. The other is the approval of housing mortgage loans, which will have an impact, mainly in the calculation of income-debt ratio: if the total monthly debt of families with car loans is less than 50% of their monthly income, it will not be affected. It will have an impact. It is not excluded that the bank will require the car loan to be settled in advance. Extended data:

What do I need to do after the car loan is settled? 1. Go to the bank or loan institution, show the settlement voucher and get the vehicle registration certificate back. 2. Take the vehicle registration certificate to the vehicle management office for vehicle release procedures. 3. Go to the insurance company and change the beneficiary's name to your own, because the first beneficiary of insurance during the repayment period is the bank. 4. Remove the global positioning system. During the loan repayment period, the vehicle will be equipped with GPS positioning in the range of 1~3, which will be removed in time to avoid revealing privacy. 5. Get back the spare key. Because during the repayment period, some financial institutions will mortgage keys. Mortgage approval time: different banks, different time periods, and different approval time. For example, ICBC's mortgage approval time is generally 2-3 weeks, and 2-3 months is also acceptable when it is slow. I. Audit link related to bank lending 1. The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different locations, different environments and different locations in the city determine whether they meet the loan conditions. The type and age of real estate are all factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company. 2. Audit the borrower's ability. Secondly, for the loan applicant himself, income source, family status, social background, credit history, etc. Are the targets that banks need to audit. 3. Second-hand houses need guarantee from guarantee companies. If it is a second-hand housing transaction, the participation of guarantee companies is essential. Formal and professional guarantee companies, with excellent qualifications, will bring more protection for the success of buyers' loans.

3. Can I still go to mortgage to buy a house after the mortgage?

You can go to mortgage to buy a house, as long as you can meet the mortgage loan to buy a house. However, because there is still a mortgage car loan, the bank will consider the applicant's debt is too high, thus reducing the loan amount or refusing the loan. If you are worried about high debt and high repayment pressure, you can choose provident fund loans to buy a house.

Loan type:

Mortgage loan, with the purchased house as collateral;

, certificates of deposit, government bonds, etc. As collateral;

Guaranteed loans shall be jointly and severally guaranteed by other housing provident fund depositors;

Public-commercial portfolio loans and housing part commercial housing loans are carried out simultaneously;

Commercial loans are converted into provident fund loans and housing loans. Now they meet the conditions of housing provident fund loans and directly turn into housing provident fund loans, saving considerable interest expenses. Pledge and guarantee as collateral.

Basic conditions for applying for housing provident fund loans:

Pay the housing provident fund in full for 6 months continuously;

There are housing, affordable housing and second-hand housing; Construction, decoration, big room price to make up the difference;

Have a certain percentage of down payment (self-raised funds);

Good credit,

Provide recognized guarantee methods, such as mortgage, pledge, guarantee, etc.