Whether the loan is due or not, your loan of 6,543,800+will definitely affect your application for mortgage loan in the future, because the bank will measure your repayment ability when granting loans. If you already have a loan of 6,543,800 yuan, even if you add a new mortgage loan during the normal loan period, you have to pay more every month, so the bank will measure whether your income can be repaid normally. If the bank is more willing to lend, you have to repay the loan.