Applying for a mortgage credit card has liabilities, which has a certain impact on the loan. However, if the loan can be repaid in time or shows sufficient repayment ability, the loan can still be made, and the inspection of its repayment ability is decided by the lending bank. Many card friends believe that as long as the credit card is not overdue, it will not affect personal credit, but they never thought that if they hold too many credit cards, it will also affect personal credit, thus preventing you from handling bank credit business, such as mortgage.

1. Personal repayment ability will affect mortgage approval.

When reviewing loan applications, banks should not only review credit information, but also pay attention to the investigation of individual repayment ability. If the loan applicant's debt is too high, or the income certificate provided can't meet the bank loan requirements, it will affect the loan approval or reduce the loan amount. If your income and salary are unstable, it will affect the approval of mortgage.

2. Personal credit will affect mortgage approval.

When an individual applies for a housing loan, the bank will first investigate the personal credit report, that is, inquire about the personal credit report. If the personal credit report shows that the repayment is overdue for three or six times in the past two years, the borrower's application for housing loan is likely to be rejected. Therefore, everyone should maintain their own credit information and let themselves have a good credit information record.

People are usually worried about the impact of overdue credit cards on mortgage loans. In addition to overdue credit cards, excessive debt caused by excessive use of credit cards is also an important factor affecting mortgage loans. So when using credit cards, be careful not to handle too many cards. 2-3 sheets are most suitable. If the consumption amount is large, you can apply for a large credit card of 1-2. If the bank inquires about a large number of credit cards, it is best to communicate with the bank actively, provide proof of income flow that meets the standard, and prove your repayment ability like Teacher Li above. If the debt ratio is not very high, you can try to consult several banks and find a bank that can lend. Finally, remind everyone that credit cards should be repaid on time to avoid overdue and cherish them.