For example, buying a car by mortgage will not affect mortgage to buy a house's down payment, but if the car loan is not paid off next year, the bank will demand higher repayment ability. Generally, it is to calculate whether your income is enough to repay. Multiply the amount of your current loan by 2.5, which means you have to meet the income standard. If you have a car loan and have not paid it off, your income requirement is (car loan repayment amount+mortgage repayment amount) *2.5.