This requires a comprehensive look at the repayment situation and frequency of online loans. If the number of online loans is small, there is no overdue repayment, and there is no record of online loans again after repayment, which has little impact on bank loans.

If there is a record of overdue repayment, it will affect personal credit records and have a negative impact on bank loans. If there is no record of overdue repayment, but the number of online loans is too many, it will also affect the approval of bank loans. Too many loan records will lead banks to question the financial strength of borrowers.

Second, in addition to online lending, there are actually many factors that affect the approval of bank loans: personal credit report: before applying for loans, banks will first ask individuals to issue personal credit report, which records personal information, credit transaction information and inquiry records. If there is a record of overdue default in the credit report, it will be unfavorable for loan approval. Lender's income certificate and bank flow: used to prove the lender's stable financial strength. The income certificate is generally issued by the unit, and the bank running water certificate is generally the running water of the salary card. Banks mainly look at the column of "wage income", and generally require lenders to earn more than twice the monthly repayment amount. Lender's age: the bank requires the lender to be 18-65 years old, and now the bank's mortgage age has been extended to 70 years old. Lender's occupation: occupation is an important criterion to judge whether the borrower can repay the loan stably. Relatively stable occupations such as civil servants, doctors and teachers are the favorite loan occupations of banks.

In addition to the above factors, when applying for a mortgage, the small financial advice can provide the bank with the certificate of RV, the certificate of deposit in its name and the large insurance policy, which can be used to prove its repayment strength.