You can apply for a mortgage if you have an online loan.
1. The existence of online loans may affect the approval of mortgage loans. If there is a serious overdue online loan or the online loan debt is too high, you may not be able to apply for a mortgage loan.
2. When applying for a mortgage, the bank will look at the credit information and liabilities. If it is overdue or often overdue, the credit information will be poor and the mortgage will not pass.
3. Have a stable job and income.
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What are the terms of mortgage loan?
To apply for a mortgage loan, the following conditions must be met:
1. The borrower is eligible to buy a house in his city.
2. Personal credit information is in good condition and there is no bad record.
3. The borrower has sufficient repayment ability, legal and stable work and monthly income.
4. You can independently pay the down payment of the house in full, or you can provide a guarantor or guarantee institution recognized by the bank for guarantee.
5. If the applicant applies for a housing provident fund loan when applying for a mortgage, it is necessary to ensure that the lender's housing provident fund deposit is in good condition.
If the loan and credit card are not overdue, can I borrow money to buy a house?
If the owed online loans and credit cards are not overdue, you can borrow money to buy a house.
Buying a house with a loan has nothing to do with whether you have other loans.
As long as other loans are not overdue, normal repayment does not matter. If these loans are overdue for many times or for a long time, they will be recorded in the credit information, which will have an impact on the mortgage.
Can I apply for a mortgage with an online loan?
If you have an online loan, you can apply for a mortgage. It doesn't matter, but online loans may affect the process and time of mortgage approval. If your online loan is seriously overdue or your debt is too high, there is no way to handle the mortgage normally. Extended information: 1. Housing loan, also known as housing mortgage loan, refers to the documents required by legal documents such as housing mortgage loan application form, ID card, income certificate, housing sales contract, guarantee and so on submitted by the buyer to the loan bank. 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 allocates the loan funds within the time limit stipulated in the contract. 2. The loan term of the loan shall not exceed 30 years, and the second-hand housing provident fund loan shall not exceed 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate will change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation). General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means for residents to manage personal real estate. Through the mortgage loan, the temporary consumer demand and even commercial demand can be met, thus revitalizing the real estate held by residents. Moreover, among various financing channels, real estate mortgage loan is still one of the lowest cost ways. 3. The interest settlement rules and interest calculation methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of China People's Bank for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives as legal persons shall file with the branches of the People's Bank of China and the central branch of the provincial capital city, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of county rural credit cooperatives, formulate interest-bearing settlement rules and interest-bearing measures for deposit and loan business, and report them to branches of the People's Bank of China and central branches of provincial capitals for the record, and the rural credit cooperatives as legal persons shall notify customers. Does online loan affect mortgage?
Strictly speaking, online lending will not affect the mortgage, but some factors will affect the mortgage:
1, Shangxin Online Loan:
For example, Tencent micro-loans, Alipay loans, online business loans, Suning discretionary loans, and consumer finance loans will all conduct credit inquiry before applying, leaving inquiry records. This is a hard inquiry, which proves that you have applied for loans frequently in the near future, which will have a certain impact on the mortgage review. If you check too much, your financial situation will be very poor, and the bank will suspect that you are short of money.
Reminder: Being investigated for more than 3 times in a month has more or less influence on the mortgage, and the repayment ability cannot be guaranteed. I suggest you go to Yingxin to quickly check your online loan big data report and check the pre-loan risks in time.
2. Credit card cash installment and bank consumption loan:
In fact, the interest rates of these products are not particularly low, but the products of financial institutions applying for banks are still relatively friendly, and banks can also check your liabilities through credit records and bank running water. As long as the monthly income can withstand the repayment pressure, it is easy to get a loan.
3. Repaid online loans:
Although it is said that applying for too much online loan credit information will affect the mortgage, the online loan record has little effect on the mortgage, and the online loan that has been repaid has basically no effect. If the repayment pressure of the online loan being repaid is too great, it will have a certain impact.
4. The impact of overdue online loans is very great:
The most important information in credit records is overdue records (credit cards, housing loans, car loans, consumer loans, etc. ), and the other is the housing loan record. If three consecutive overdue times are accumulated for six times, the bank will directly refuse the loan.
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What problems should I pay attention to when handling a mortgage?
1, need to pay attention to credit. The mortgage application is very strict. Generally speaking, it is difficult for people with bad credit records to successfully apply for a mortgage.
2. Pay attention to the reasonable choice of mortgage term. Although the term of bank mortgage loan can be as long as 30 years, you must choose a reasonable term according to your income.
3. Pay attention to whether there is enough repayment ability. The most important repayment ability of mortgage is bank running water, so what are the requirements of bank mortgage for running water? Generally, the bank flow with relatively stable income, continuous bank flow and high income at a relatively fixed time every month is the most suitable. As salary income, it will be better to contribute to the public account. The balance in the bank running water is not important, but try not to transfer large amounts at a fixed time every month. For example, if the salary is paid on the 8th of each month, the salary will be fully withdrawn on the 9th of each month, which will affect the repayment ability assessment. If there are more than one bank card, it can provide the bank card running water with the most ideal income, and it can also provide the lender with the running water bill of multiple bank cards at the same time.
Finally, we need to remind everyone that after applying for a mortgage, the borrower must use the loan reasonably in accordance with the loan contract. If there is a breach of contract stipulated by the bank, the bank has the right to recover or stop the loan in advance, and investigate your liability for breach of contract.