Real estate has a certain cash value and can also be used for mortgage loans, but it depends on personal liabilities. After the house is mortgaged, the borrower has the repayment ability and can apply for a loan to buy a house. When handling a loan, the mortgage-backed house will record the borrower's debt information. If the borrower's debt is too high, the bank may refuse the loan.

You can apply for a mortgage loan when you are in debt. Reasonable debt is not only an important part of a healthy family's asset allocation, but also helps to apply for real estate mortgage loans, because debt can help us build credit. To get a bank loan, you need to look at personal credit information. You can borrow it now, then pay it back, and you can pay it back on time. This is the establishment of credit, and credit is accumulated bit by bit.

However, the debt should not be too high. Under normal circumstances, 50%-70% of the debt ratio belongs to the safety zone, depending on the regulations of the bank. Of course, these debts should be repaid to the bank on time and regularly, otherwise they will be included in the overdue blacklist. Don't talk about mortgage loans, even loans can't be done, so you need to pay attention to the precautions of loans.

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