1. Different loan types: online loans and mortgages are different types of loans and operate under different credit systems. Online loans are usually short-term and small-amount personal loans, while mortgages are long-term and large-amount housing mortgage loans.
2. Different lending institutions: online loans are usually provided by internet financial platforms or non-bank institutions, and mortgages are usually provided by banks or other financial institutions.
3. Independent repayment records: online loans and mortgages have independent repayment records. Paying off the online loan will not directly change your mortgage repayment record.
4. Credit evaluation: When applying for a mortgage, the borrower's credit status will become an important factor. Paying off online loans may have a certain positive impact on credit evaluation, but many factors need to be considered, such as personal credit history and income.
5. Influence of other factors: Whether the mortgage is approved is also affected by other factors, such as the income stability of the borrower and the real estate valuation.
Summary: Paying off the online loan will not directly affect the mortgage, but it may have a positive impact on the credit evaluation. There are many factors to consider whether to approve a mortgage or not. For more accurate information, please consult relevant financial institutions.