Car loan will not affect the loan to buy a house. Car loan has no direct impact on mortgage, because mortgage will not review the situation of car loan, but it should be noted that car loan may affect the amount of mortgage. If the income is several times of the monthly car loan, then whether there is a car loan under the name basically has no effect on the loan to buy a house. However, if the income is not much different from the monthly payment of car loan, then the car loan is likely to affect the mortgage amount and apply for a mortgage.

Factors affecting buying a house with a loan

1, room age:

If the house is too old, the mobility of the house will be relatively poor. Banks will evaluate according to the times and reduce the mortgage amount accordingly. I believe that older buyers with low loan amount have a deep understanding.

Therefore, when buying a house, we must pay attention to the age of the house. If you need large loans, try not to choose older houses, and some will even be directly refused loans by banks. Under normal circumstances, the smaller the sum of the house age and the loan period, the better, no more than 30 years.

2. Income:

The bank will reversely evaluate your income according to your monthly mortgage repayment. If the monthly payment is higher than 50% of your income, the mortgage application may be rejected directly. Nearly 50% of bank loans are not enough, and even the possibility of directly refusing loans is extremely small.

3, the property market policy:

According to market trends, real estate development and other factors, the government will introduce relevant property market regulation policies to maintain the stable development of real estate. Banks will also adjust their loan policies according to government policies. If it happens to be in the stage of bank tightening mortgage, the loan amount applied for is likely to be insufficient.

4. Provident Fund account balance:

Compared with commercial loans, the interest rate of provident fund loans is much lower. Many people will regard provident fund as the first choice for lenders, and the insufficient part will be combined with commercial loans. But we know that provident fund loans are directly related to the balance of provident fund accounts. The more balance, the more loans can be issued.

People who work in the company basically have provident fund, and the account balance is related to the years of deposit, base, salary and other factors. The higher the salary, the higher the payment base and the longer the service life, the more the account balance of the provident fund will naturally be. However, some people have reduced the balance due to the withdrawal of provident fund, which will also affect the loan amount. If the withdrawn account balance is 0

Then you can't apply for a provident fund loan.

The above is what Bian Xiao shared with you about whether having a car loan will affect the loan to buy a house. More information can focus on the construction industry and share more dry goods.