You can continue to use your credit card during the period of housing loan, but you must make a good record. You can't do the following during the housing loan period:

1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

3. Don't prepay in the first year of the loan. According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.

4. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs, and read the terms of the contracts carefully to understand your rights and obligations.

For more information, can I use my credit card during mortgage approval? Go to: See more.

Can I use my credit card during mortgage approval?

Now, more people will apply for loans from banks when buying a house. It takes a long time to apply for a loan and all kinds of information need to be provided. You have to go to many departments. So during this review period, if you want to use a credit card, can you use it normally? Does the credit card affect the loan?

1. Can I use a credit card during mortgage approval?

1. If you have applied for a mortgage and the bank is examining it, it is ok to use a credit card at this time, but be careful not to overspend. If you overdraw, it may affect the review of the mortgage.

2. also remember that you can't use credit card tx.

Because I use my own credit card tx.

It's illegal. Once the bank inquires, it will affect your credit status. Maybe the bank will consider that you have no financial ability, and he will doubt your repayment ability.

In addition, although you can use credit card, you can't lend it to others. If it is discovered by the bank, it will also affect the audit.

4. Some people even empty their credit cards, which will be judged as a tx swipe.

Even normal consumption will affect the loan review.

If you want to spend by credit card, you should pay attention. You can't swipe your card in whole numbers, because banks can easily regard this behavior as swiping tx.

Second, does the credit card have an impact on the mortgage?

1, many people are concerned about whether more credit cards will affect loans. Don't worry about this problem. Some people even have dozens of credit cards, but as long as they can repay on time and there is no overdue phenomenon, it will not affect the audit.

If you can repay on time, it will be considered as a good phenomenon, and the bank will think that you have the ability to repay. However, if the overdraft limit is large and overdue, and you have applied frequently in the last six months, it will have a certain impact on your loan.

Bian Xiao concluded: If you are going to buy a house with a loan, you must pay special attention to the use of credit cards at ordinary times, and there must be no overdue. At the same time, during the loan approval period, if you want to use a credit card, you should pay attention to some problems to prevent banks from refusing to lend.

Can I use a credit card during the mortgage review?

During the mortgage review, the borrower can normally use the credit card for consumption. However, in order to maintain a good credit status, borrowers should pay attention to the following points when using credit cards:

(1) When making overdraft consumption, don't overspend. Excessive overdraft will increase the borrower's debt level, and then affect the borrower's mortgage review.

(2) Don't use a credit card to illegally tx.

. Send by credit card

Not only is it illegal, but it will also seriously affect the credit status of cardholders. In order to avoid illegal activities and control risks, banks will monitor credit card transactions through the trading system. If the bank finds the credit card tx,

Behavior will not only reduce the credit card limit, but also affect the credit status of cardholders.

(3) Don't lend your credit card to others. And tx

It is illegal to lend or rent a credit card to others. After being discovered by the bank, it will also affect the loan review.

(4) Don't almost empty the credit card limit. This situation is very easy to be judged by the bank as a credit card tx.

. Even normal consumption may affect the loan review.

(5) Don't swipe your card in whole numbers. Like the previous one, banks can easily judge this behavior as brushing tx.

, which in turn affects the loan application.

Can I use online loans after mortgage approval?

After the mortgage is approved, the user only needs to sign a mortgage contract and wait for the bank to approve the money. At this time, when the user applies for online loan products, the bank will no longer check the user's credit information, so the mortgage will not be affected by online loans. When applying for a mortgage, it is not recommended to apply for an online loan. On the one hand, it will increase users' liabilities, on the other hand, it will give banks a feeling of lack of money.

After the mortgage is approved, the user's application for online loan and credit card (debit card) will not be affected, and with the mortgage, the user is a quality customer, but it is easier to pass the audit.