Yes, the bank will only consider the individual's repayment ability, which has no direct impact on whether you already have a car loan, but if the individual has too much debt, it will definitely affect the approval of the individual car loan, fearing that the individual will not be able to repay on time in the future. So in this case, the bank will ask for more proof of running water or proof of repayment ability. Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.

Second, can I borrow money to buy a car after buying a house?

Yes, as long as relevant materials are provided.

Can I get a loan to buy a car while I'm still paying my mortgage?

There is no conflict between applying for a mortgage and applying for a car loan. Friends with mortgages can also borrow money to buy a car. Of course, only friends who meet the loan conditions can successfully apply for a loan. When examining the applicant's loan qualification, the lending institution has certain requirements on the applicant's job nature, monthly income and personal credit, as well as the applicant's assets and liabilities. For example, the bank's requirement for lenders is that the asset-liability ratio should not be too high. Under normal circumstances, it is difficult for individuals to obtain bank loans when their asset-liability ratio exceeds 40%. It should be noted that the down payment of a loan to buy a car cannot be loaned, and the car buyer needs to pay for it himself.

I'm still paying the mortgage. Can I still get a loan to buy a car?

If it is a loan from China Merchants Bank, you can continue to apply. In addition, you will also refer to your credit history and liabilities. Audit is a comprehensive evaluation, which will compare reference factors, personal credit and other aspects, and is not determined by unilateral factors. Please refer to the following audit results for details.