Mortgage and car loan are of course liabilities. Not only mortgage loans and car loans, but also other loans applied by customers in banks and licensed consumer financial institutions will also be recorded in the credit report and included in personal liabilities; There are also credit cards handled by customers, which are also considered liabilities. What customers need to pay attention to is that they can't apply for too many loans and credit cards at ordinary times, otherwise it will be bad to cause long-term loans and high personal debt ratio. If the customer's repayment ability is insufficient, it may not be able to repay on time, which will lead to overdue, personal credit damage and hinder the customer from handling credit business in the later stage. If you find that your personal debt is too high, you'd better find a way to pay off your debt or pay off part of it, and reduce your personal debt first. As for credit cards and loans, it is better not to apply for them for the time being, and it will be better to apply again after the personal debt ratio has been reduced in three to six months. Of course, it doesn't matter that large debts such as mortgage and car loan can't be paid off for a while. Customers can repay in installments on time according to the repayment plan agreed in the contract. If you have enough money in hand, you can choose to repay in advance.