Need, mainly to review the comprehensive credit qualification of users, as for whether there is money in the mortgage bank card, this bank will not review it. Of course, users need to prepare a bank account when applying for a mortgage. As a bank card with a bank account, this card needs to have a certain balance. If there is no balance in the card, the bank account may not meet the requirements.

After the mortgage is approved, the user can freely use the balance in the card, even if it is taken out at one time, it will not affect the mortgage loan.

Go to the bank for mortgage loan:

The borrower does not need to recharge the bank card. No matter whether there is a balance in the bank card, you can apply for a loan as long as it is a normal debit card.

When a borrower goes to a bank to apply for a mortgage loan, the required information is: valid identity documents; Proof of permanent residence or valid residence, proof of fixed residence; Proof of marital status; Proof of income or personal assets; Bank flowing water; Credit report; Use plan or loan use statement; Other information required by the bank.

If the borrower applies for other special loans, such as venture loans, etc. , you also need to submit reports related to the products operated by the enterprise. Generally speaking, a loan requires a lot of information, but the borrower's bank card does not stipulate that there must be a balance.