In JD.COM, you don't have to pay off all the mortgage loans. Because JD.COM IOUs generally have no influence on mortgage, as long as customers have good personal credit and provide sufficient economic income, assets and financial information to prove their ability to repay the loan principal and interest on time, they can generally handle the mortgage smoothly. It is not only customers who have no debts in their names who can apply for mortgages.

Of course, if the customer has a lot of debts and is worried that the bank will refuse to approve the loan because it thinks its repayment ability is insufficient when approving the mortgage, the customer can also choose to pay off all the debts or other credit products first and reduce the personal debt ratio before applying for the mortgage.

And customers need to pay attention and never overdue. Because once the repayment of JD.COM IOUs is overdue, that person's credit report is bound to record the overdue bad information, and the mortgage approval will definitely review the customer's credit, so it is difficult for customers to apply for a mortgage in a short time.

Problems needing attention in housing loan

First of all, the loan amount should be based on personal ability.

When applying for personal housing loans, borrowers should correctly judge their current economic strength and repayment ability, and make a correct and objective forecast of their future income and expenditure.

Secondly, the information provided to the bank should be true.

When banks apply for commercial housing loans, they usually ask borrowers to provide proof of economic income. For individuals, true proof of their occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough repayment ability, but you exaggerate your income level, you may default at the initial stage of repayment, and the bank's investigation proves that you have provided false certificates, which will greatly reduce the bank's trust in you, thus affecting your loan application.

Third, we must choose the most suitable repayment method.

At present, there are basically two repayment methods for individual housing loans: one is equal repayment, and the other is equal repayment of principal. The advantage of equal repayment is that the borrower can accurately grasp the monthly repayment amount and arrange family income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to return a large amount of money at the initial stage of repayment to reduce interest expenses.