Yes, you can. The first home purchase loan is a policy-based home purchase loan, called mortgage loan, with low interest rate and high loan ratio. The premise is that half of the borrower's salary is enough for the monthly payment. The income is 4000-5000 yuan/month, and the monthly payment is 2000-2500 yuan/month.

Then the bank will calculate your monthly payment. If your income exceeds your monthly payment, you will get a loan.

If it is obviously less, you may not be able to give you a loan. For example, if you need a monthly payment 1w, the bank will consider your repayment ability. At this time, the intermediary will help you open some other certificates.

What are the consequences of overdue credit cards?

If the overdue period reaches a very serious state, it will constitute a malicious overdraft, which will be identified as the crime of credit card fraud. Sentencing standards will be implemented according to the amount of our malicious overdraft, including fixed-term imprisonment of less than five years or life imprisonment, less than five years and less than 10 year, and a fine of more than 20,000 yuan but less than 200,000 yuan, more than 50,000 yuan but less than 500,000 yuan, or confiscation of property.

If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.

If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.