If you have an online loan, but you want to go to the bank to get a mortgage loan. Then personal credit information is very important. Under normal circumstances, the bank will give you the answer: "You pay off the online loan first, and then open the settlement certificate." This is a good reply, because although you have an online loan, it is not overdue, so as long as you pay off the credit report of the online loan, there is still no big problem with the mortgage.
The function of the loan settlement certificate is that the loan repayment has been completed. Make a proof, and then take other materials to get back the mortgaged things. The loan settlement certificate is the certificate that a person or institution applied for a loan in a bank or other financial institution and repaid the loan. For example, a car loan needs to repay the principal and interest after the bank handles the loan. Because the vehicle has been mortgaged to the bank at the time of loan, it is necessary to retrieve the motor vehicle registration certificate mortgaged to the bank at this time and change the beneficiary of the vehicle to himself. These need to be handled at the vehicle management office, but the vehicle management office needs a loan settlement certificate when handling them. Take real estate as an example. After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and obtain other property rights certificates. The bank will stamp the official seal on other property certificates and write down the cancellation opinions, such as: the loan has been applied and you agree to cancel the mortgage.