According to the query on Xicai.com: If you have debts, you can apply for a mortgage. When applying for a home loan, banks mainly focus on the borrower's repayment ability and creditworthiness. If the debt ratio does not exceed the upper limit specified by the bank, such as 50, and the borrower has sufficient repayment ability, it is possible to obtain a loan even if the debt is in debt. In order to improve the success rate of home loans, you can consider the following methods: increase the down payment for home purchase, buy a house with a low total price, try to pay off other foreign debts, increase income, choose a bank with lax review, provide more collateral, and find someone to guarantee the loan for you , increase the number of lenders, etc. In addition, maintaining a stable and high-quality career can also help improve loan qualifications. If the debt is too high, special strategies or additional co-payers may be needed to meet the bank's loan conditions.