As long as you use them normally, there is no overdue phenomenon, and you repay them normally, it will generally not affect the loan.

Information required for an individual to apply for a bank loan:

① loan application;

② the original and photocopy of the husband and wife's ID card (personal ID card), household registration book and marriage certificate;

③ Property * * * Letter of opinion that someone agrees to the loan;

④ information such as husband and wife's occupation (individual occupation), income certificate and family property status (work certificate, bank account, property right certificate, vehicle driving license, etc.);

⑤ proof of fixed place (real estate license and water, electricity, gas and other documents within the last three months);

⑥ loan contract.