Can I get a home loan if I have taken many online loans but have paid them off? There are many online loans, but you can apply for a mortgage if you have paid them off. Normal lending behavior, repayment on time, no overdue records, and all have been settled when applying for a mortgage, so it will have no impact on the mortgage. Having many credit records is not a bad thing. A good credit record can help the person involved in the credit report apply for a loan faster, because it can be seen from the credit record that he or she has a strong willingness to repay and a good repayment ability. For such applicants, banks can easily Quickly judge its risk level and review it faster. However, if the following situations exist when using online loans, it will have a negative impact on applying for a mortgage loan:
1. If the repayment is overdue and you want to apply for a mortgage loan, the bank must check the credit report. If the applicant is in When using online loans, if the number of overdue loans in the past two years has exceeded 6 times, or there are three consecutive overdue records, the bank will directly reject the applicant's loan request.
2. There are too many loan approval records. If a borrower frequently applies for loans on various online loan platforms before applying for a home loan, because most online loan products require a credit check, the applicant’s credit report will There will be a lot of inquiry records about loan approval. When banks see these inquiry records, they will feel that the applicant is financially stressed and short of money, and will be unwilling to lend. Speaking of many online loans, can I still get a home loan if I have paid them off? There are many mortgage applicants who simply take out online loans, but they are not overdue, their loan applications are not frequent, their credit is good, and their repayment ability is good. There will be no problem in applying for a mortgage. If you are worried that online loans will affect your mortgage application, you can prepare to buy a house. In the first six months, do not use online loans, do not apply for other loans or credit cards, and maintain a good credit record.