Apply for mortgage and car loan at the same time. For banks, as long as the lender has sufficient repayment ability, the debt does not exceed one-third or one-half of the monthly income, and it is ok to apply for mortgage and car loan at the same time. However, if the monthly mortgage payment plus the monthly car loan payment has exceeded half of the monthly income of the lender, you can't apply for both at the same time, you can only apply for one of them.