Can I use a credit loan if the mortgage is not paid off?
If the loan is not paid off, you can apply for a credit loan.
Applying for a credit loan mainly depends on whether the applicant has enough repayment ability, not whether the applicant has arrears, even if there are outstanding debts, such as mortgage.
However, the applicant still has enough repayment ability to apply for a credit loan, so it does not affect the application for a credit loan.
At the same time, it should also be noted that if the mortgage has not been paid off, it depends on the applicant's mortgage repayment record.
Personal credit is the main way to apply for credit loans. If the applicant has a bad credit record, it is not good to apply for a credit loan in the bank.
Therefore, if the mortgage is not paid off, you can only apply for a credit loan. What needs to be understood is that bank credit loans require higher conditions and are generally not easy to apply for. If you fail to apply for a credit loan in the bank, you can also choose to find a local formal loan company to apply for a credit loan.
Extended data:
What is the premise of mortgage house for credit loan?
Mortgage housing credit loan (or monthly loan, mortgage follow-up loan, housing mortgage plus loan),
It is an unsecured credit loan for customers who have been approved for mortgage loans or have already applied for mortgage loans.
First of all, it should be clear that the mortgage house can be used as a credit loan. Many people in mortgage to buy a house don't know.
As long as the credit information is good and the mortgaged house is paid off in half a year, you can borrow money from the bank.
However, the maximum amount of credit loans and general consumer loans is 300,000.
The maximum amount of operating loans is only 500,000, and the amount of loans obtained from different banking institutions will be higher, but the repayment period is generally 3 years, with a maximum of 5 years.
How to borrow personal credit loans?
There are many types of credit loans of Bank of China, with different types of loans and different handling methods. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
Can I still get a credit loan through mortgage?
If you have a mortgage under your user name, you can continue to apply for a credit loan. Users with mortgages are quality customers. Such customers go to the bank to apply for credit loans, and the probability of passing the loan review is very high. Or users directly apply for online loans, mostly credit loans. As long as there is no overdue record during the mortgage repayment period, the probability of passing other loan audits is relatively high.
Credit loans do not need guarantees and mortgages, so the loan amount will not be too high, and users will continue to apply for credit loans with mortgages, which will not greatly increase the personal debt ratio.
This is the mortgage personal credit loan and mortgage credit loan launched at the end of the year. I wonder if you found the information you need from it?