According to the different risk control modes of different banks, some banks will say that adding small loans to the risk control mode will generally have a certain impact on housing loans when reviewing mortgage business. However, if it is not overdue and the loan has been fully paid off, if the credit report is still not settled, you need to print the settlement certificate (electronic seal or fresh seal). After such treatment, the difficulty of accepting housing loans will be minimized.

Some online loans may have hundreds of lines of credit information even if they don't go to the central bank for credit information. If it is overdue, it may have a certain impact on future loans. Therefore, it is recommended that users first check the personal online loan big data report in Eagle Heart, check the comprehensive credit score, and see if there are overdue and blacklists.

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Whether online loans have an impact on bank loans depends on whether the applied online loans can not be used for credit investigation. If the online loan is related to the personal credit information of the central bank, that is to say, the credit information on the applied online loan will affect the bank loan. If the applied online loan is not a credit report, it has no effect on the bank loan. Even if the applied online loan has credit, as long as the number of loans is small and there is no overdue record, this situation will not affect the bank loan; On the other hand, if the amount is large, or there are overdue records, it will affect the amount and pass rate of users' bank loans. If you have the idea of lending in the bank recently, it is best not to apply for online loans, especially those that need credit.