Credit loans affect housing loans.

Personal credit status and loan system will display personal loan information, so credit loan has a certain impact on mortgage, which can be considered from two aspects. If the borrower's repayment ability is good, it will have little impact on the application for mortgage, and it can even be used as an inspection standard when applying for mortgage; If the repayment ability is poor, it will directly affect the approval of mortgage.

To sum up, credit loans have a certain impact on mortgage loans, but as long as a good repayment record is maintained, there will be no negative impact.

At present, many consumer credit loans will be shown in the credit report, while mortgage loans will be checked in the credit report, once before approval and once before lending. Many people borrowed consumer loans after the mortgage was approved, and they were found out before lending, which will also affect mortgage lending.

After all, the regulatory provisions are there, constantly emphasizing that consumer loans are strictly prohibited from flowing into the real estate market. In order to curb the phenomenon of real estate speculation, banks are required to strictly verify the source of down payment of lenders, starting with credit information and running water. If the consumer loan is borrowed before the mortgage is issued, and it is not repaid, it will not be loaned.

What is the reason for the slow mortgage lending?

There are roughly two reasons, one is the borrower's own reasons, and the other is the policy reasons.

1. Borrower's reason: Generally, it has frequent business dealings with banks, such as wealth management, deposit and issuing payroll cards at banks, which makes it easier to become high-quality customers of banks, and banks will give priority to loans. However, if large installments such as consumer loans and credit cards are not paid off before lending, banks will be more cautious and even refuse to lend.

2. Policy reason: 202 1, the regulation restricts the proportion of real estate loans, which is tighter than in previous years. Because the amount of mortgage loans is seriously insufficient, the speed of lending is also constantly delayed. Now that the mortgage is approved, it is impossible to lend money for three or four months, and it may even wait until next year.

Will personal credit consumption loan affect mortgage?

1. will have an impact. Consumer loans are not paid off, and mortgage approval may be suspended.

2. Due to the illegal inflow of consumer loans into the property market, the supervision attaches great importance to such loans, and such loans have also become the focus of recent bank investigations. Applying for consumer loans does not affect the application for mortgage loans in principle. However, if you apply for a mortgage loan shortly after applying for a credit loan or other consumer loans, the bank will suspect that the previous consumer loans were used to purchase houses, and the lender needs to provide a series of sufficient supporting materials, which may indirectly affect the application progress and amount of mortgage loans.

These factors will also affect your mortgage approval:

1, personal credit record

When banks apply for housing loans, they will first check the borrower's personal credit report. If the report shows that there have been three consecutive or accumulated six overdue repayments in the past two years, most borrowers' mortgage applications will be rejected. Therefore, everyone must safeguard their personal credit in their daily lives. In addition to the loans overdue record, if there is a record of being sued for bad credit, such as long-term arrears of water, electricity and telephone charges, these bad records will be included in the personal credit record.

2. Solvency

In addition to personal credit records, banks will also focus on the borrower's repayment ability. If the debt is too large, or the income and work are unstable, it will affect the success of mortgage approval.

3. Credit white families

Personal credit record is spotless, but he has never borrowed from financial institutions. This kind of credit loan for white households is also easy to be rejected by banks. The reason is that there is no credit record as a reference. In this case, don't apply for a credit card. Pay back on time after opening the card and accumulate good credit for yourself.

4. The debt is too high.

5. High-risk occupations.

6. Industry restrictions.

Does personal credit loan affect mortgage?

1, credit loans and mortgages have little impact, because banks pay more attention to the lender's credit record and personal repayment ability when reviewing loans.

2. In terms of credit record, if the lender's credit record is poor, the bank will be more cautious when reviewing loans, and the number of overdue loans will be related to the loan ratio and loan interest rate. Repeated overdue loans will lead to loan rejection. If there is unintentional overdue, you can reduce the impact of bad credit information by issuing relevant certificates.

3. In terms of personal repayment ability, the lender needs to provide personal bank flow to the loan bank, which can meet the monthly repayment amount of all loans and housing loans by more than 2 times before it can apply for housing mortgage loans normally. At present, if the borrower's repayment ability is good and the debt situation is good, the impact on the bank's review of mortgage applications will not be great.