Online loan settlement. As long as the user has good credit, he can apply for a mortgage loan immediately. After the online loan is settled, there are overdue records on the credit information. Therefore, from the date of settlement, the overdue records will be kept for 5 years, and the overdue records will be automatically deleted after 5 years, which requires users to apply for mortgage loans after 5 years. Therefore, whether the online loan is settled will not affect the mortgage, and the main factor affecting the mortgage is whether there are overdue records in the credit information.