make no difference

If the lender applied for China Merchants Lightning Loan before the loan to buy a house, it is easy to find it in the credit report. The bank will think that there are two consequences for the lender to pay the down payment with the money from the lightning loan, that is, directly refusing the loan, or letting the lender settle the lightning loan and then the user accidentally orders the lightning loan from China Merchants Bank, which will not directly affect the user's subsequent application for mortgage. Accidentally opened the lightning loan of China Merchants Bank, China Merchants Bank will check the user's credit report, and then the user will not apply for a loan, so it will not be promoted.

Will applying for lightning loan from China Merchants Bank affect the purchase loan?

After applying for a mortgage, your current loan arrears will be audited, and whether you can pass the system audit results shall prevail.

Will China Merchants Bank APP lightning loan affect the provident fund loan to buy a house?

After the lightning loan of China Merchants Bank APP, it will definitely affect your provident fund loan to buy a house. If you use a flash loan, you will have a credit history.