Car loans will affect the mortgage, but banks will not directly reject the mortgage application because there are still car loans that have not been paid off, and will review the income. If the income is enough, then the mortgage will be fine, and the bank will still make the next repayment.

Second, the specific analysis

When applying for a mortgage, banks generally pay attention to the following information.

Credit information of 1

2. Income.

3. Debt ratio.

4. age.

5. Whether it has full capacity for civil conduct.

6. Whether the down payment has been paid as agreed.

7. Whether the qualification of the developer is complete.

On the premise that all other conditions are met, if there are still outstanding car loans, banks will raise the requirements for income flow, and generally require liabilities not to exceed 50% of income.

Therefore, before applying for a mortgage, you can prepare your own information, go to the bank for consultation, see if you can apply for a mortgage, and finally how much mortgage amount you can apply for, so that you can know fairly well.

At present, there are many online loan big data systems that can provide online loan record queries. You can query the online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information in Xiaoqi credit inquiry.

3. What if the mortgage is rejected?

If the mortgage is rejected, you can try the following methods.

1, increase income flow If the bank refuses to lend because the income does not reach twice the monthly payment, you can find ways to increase your income flow, or contact the bank to see if you can supplement it with WeChat flow or Alipay flow, and try to let the bank see your repayment ability, so that the mortgage can be repaid smoothly.

2. Increase the down payment ratio. Under normal circumstances, at least 30% down payment is required to apply for the first home loan at the bank. If the economic strength permits, the down payment ratio can be appropriately increased, so that the demand for bank loans will be reduced and the concerns of banks will be reduced, thus improving the success rate of mortgage loans.

3. Reduce the debt ratio When banks approve mortgage information, they will have requirements for the debt ratio. If the debt ratio has exceeded 50% before applying for a mortgage, banks will worry about repayment pressure and increase their demand for income. Therefore, before applying for a mortgage, we must find ways to reduce the debt ratio.

4. If you can't get more down payment if you buy a house with a low total price, you can lower the requirements for buying a house. You can buy a house with a lower unit price or a smaller area, so that the total price of the house will be reduced, the down payment pressure will be reduced, the amount of mortgage will be reduced, and the success rate of mortgage will be increased.

5. Find someone to vouch for yourself. If banks have doubts about their qualifications, they can find a third party with excellent qualifications to guarantee loans for themselves, so that banks will lower their requirements. As long as the qualifications are not too bad, you can still apply for mortgage through secured loans.

6. Improve the ability of * * * borrowers to borrow together with their parents and children when applying for a mortgage. If married, both husband and wife can apply for a mortgage together, which can increase their ability to resist risks. After adding * * * borrowers, the bank will re-examine their qualifications, which can increase the success rate of loans.

7. Reasonable choice of loan methods Generally speaking, there are two repayment methods for mortgage loans: matching principal and interest and average capital. Comparatively speaking, under the premise of the same loan amount, loan interest rate and loan term, the pressure of prepayment of average capital will be greater, so it needs to be carefully selected.

8. Changing loan banks There are many banks that can provide mortgage services. You can find some small and medium-sized commercial banks to apply for mortgages. For these banks, in order to win more, they may relax the audit and improve the success rate of mortgage loans.

9. Reorganize the loan information and further check your own loan information. If errors or omissions are found in the data, they should be supplemented or corrected as soon as possible. After ensuring that there is no problem with the information, you should submit a loan application to ensure the smooth issuance of the mortgage.

10. The loan application for the purchase of other houses rejected by the bank is not necessarily due to its own reasons. It is also possible that the developer's qualifications are incomplete and the debt ratio is relatively high, which touches the policy bottom line. In this case, you can buy houses launched by other developers to reduce the concerns of banks.

When applying for a mortgage, you can first prepare your own information and go to the bank for consultation, and then pay the deposit and down payment after determining your qualifications for applying for a mortgage, so as to avoid bringing yourself some unfavorable situations in the future.