Usually, when using credit loans, personal credit records and bank loan systems will be displayed. Moreover, in this case, if you want to borrow money to buy a house and have a plan to apply for a mortgage loan, the lending institution will examine the individual repayment ability of the loan.

At present, various lending institutions in China require that the monthly income of borrowers and families should be higher than twice the total amount of loans. Therefore, if the borrower has good credit, high monthly income and twice the monthly repayment amount, it is relatively easy to apply for a mortgage loan with a credit loan. However, if the repayment ability is poor at this time and the debt pressure is too heavy, it is more difficult to apply for a mortgage loan.

For those who already have a credit loan and want to apply for a mortgage loan, the credit loan must be repaid before the date stipulated by the bank and must not be overdue. For those who take out more loans, once in loans overdue, it will be difficult to apply for another loan.

If you have a loan, you can check the following personal credit report on the query, and combine the report to accurately optimize the credit, which is more conducive to improving the success rate of applying for a loan!