1. If you apply for a housing provident fund loan and a consumer loan of 200,000 yuan at the same time, this situation will have an impact on the approval of the housing provident fund loan.

2. A loan of 200,000 yuan will increase the debt in the borrower's name. If the debt ratio under the personal name is too high, it will affect the borrower's repayment ability, thus affecting the approval of housing provident fund loans.

3. If there are bad behaviors such as overdue repayment in the repayment process of the loan under the name, it will have a negative impact on the housing provident fund loan.