If you have a credit loan, you can get a mortgage. However, it is worth noting that users who apply for credit loans do not need to have any overdue behavior in the last two years, and they have not defaulted on using credit cards. At the same time, the personal debt ratio should not be too high. If users often use credit cards to cash out or have large consumption behaviors, they are easily regarded as the risk of default by bank risk control personnel, resulting in rejection.

Can the bank go to mortgage to buy a house?

Users who have a mortgage in the bank can also apply for a loan to buy a house, and there is no clear stipulation that users can only apply for a mortgage. As long as the user can meet the requirements of the loan conditions put forward by the bank, he can handle the mortgage smoothly.

It is worth noting that bank loans will be recorded in personal credit reports, so in order to successfully handle loans, personal credit must be good. The loan that the user applied for before cannot have overdue records, otherwise it will affect the approval of the later loan, and the bank is likely to refuse the loan. In addition, if users apply for too many loans and the debt ratio is too high, it may also have an impact.