It will have an impact, but it is not very big. If you already have a consumer loan and haven't paid it back, when you want to apply for a mortgage again, the agency will comprehensively evaluate your repayment ability, and the corresponding approved amount may not be very high, and the repayment period may be a bit long. I'm not sure about this. The mortgage application standards in different regions are different. You can consult a specific real estate agent, but it won't be affected if you pay it back, because mortgage means that you mortgage your house to the bank, as long as the bank has a good credit.

Extended data:

Credit refers to the degree of compliance and trustworthiness reflected in social reputation, economic situation and commodity trading performance. The purpose of credit evaluation of buyers and sellers is to know the seller deeply through the investigation of the seller's social behavior, economic strength and compliance with the contract, so as to provide the basis for determining the customer relationship and make a choice.

A person's social credibility is directly related to the integrity of the transactions he is engaged in.

Will small loans affect the approval of provident fund loans?

Micro-loan and housing provident fund are different loan platforms, and micro-loan will not affect your housing provident fund loan.

Does it affect the use of small loans after the husband and wife of provident fund loans sign a contract with the main loan bank?

Have a certain influence

If you have used small loans, it will definitely affect your approval of provident fund loans, because small loans are online loans, and banks are still sensitive to this piece.