Whether credit card loans affect mortgage depends on the borrower's use of credit cards. As long as the credit card is used normally and the repayment is made on time, it will not have any impact on the house loan. However, if the borrower is overdue in the process of using the credit card, it will affect the borrower's credit information, and the borrower with poor credit information cannot pass the bank's housing loan approval.

Matters needing attention in buying a house by loan

1. Provide true information to avoid loan impact.

Just need buyers to apply for personal housing from the bank, the bank will generally require buyers to provide corresponding income certificates (including personal occupation, position, salary and other economic income). If the mortgage buyers provide false materials to the bank, it may have a serious impact, which may affect the bank's audit, and ultimately it is impossible to issue loans and realize the dream of living; It is more likely that individuals provide false materials, which leads to the inability to apply for mortgage loans, resulting in default.

2. Be careful that the deposit is confiscated by the developer if the loan is unsuccessful.

Under normal circumstances, property buyers can only apply for mortgage loans from banks after signing contracts with developers, and finally sign mortgage loan contracts with banks. However, due to the uncertainty of whether you can successfully apply for a mortgage loan, buyers should attach great importance to this issue. In real life, there have also been many cases where mortgage loan applications are unsuccessful and developers insist on not refunding the down payment of buyers. When the buyer signs a house purchase contract with the developer to pay the down payment, it must be clearly stipulated in the contract that if the buyer applies to cancel the house purchase contract because the mortgage loan has not been approved by the bank, the developer shall fully refund the down payment paid by the buyer to avoid the loss of the down payment.

3. It is best not to sign the "cross-breach clause".

In the current consumption of the property market, developers sometimes require to sign a separate cross-default clause with the purchaser in the mortgage loan contract: that is, if the borrower fails to repay the mortgage on time, the developer has the right to buy back the house or terminate it at the original price. Under normal circumstances, do not sign a "cross-default clause" with the developer. If you must sign or have signed similar terms of property buyers, you must pay attention to timely repayment, so as not to cause developers to buy back because of personal default in repayment and other aspects.