There is a commercial loan under the user name. As long as you meet the mortgage conditions, you can apply for a mortgage. For users, the repayment ability of users is relatively high after applying for operating loans and then applying for mortgages. When the repayment ability cannot meet the requirements of the bank, the user will not be able to pass the mortgage review. At the same time, the outstanding debts of previous operating loans cannot greatly increase the personal debt ratio.

Of course, whether the user can pass the audit after submitting the mortgage application is subject to the bank's reply. As long as the mortgage application conditions are met, there is a certain chance of passing the audit.

Second, does the operating loan affect the mortgage approval?

Operating loans will not affect the approval of mortgage loans. As long as you meet the conditions for applying for a mortgage loan, your credit information is good, and there is no wavelength record, you can apply for a mortgage loan, and then repay it on time according to the contract, as long as there is no overdue situation.

3. Is the operating loan equal in principal and interest or paying interest first?

1, different definitions:

Interest before capital means that the borrower only needs to pay interest every month during the repayment process, and repay the principal at one time after the loan expires; Matching principal and interest means that the borrower repays part of the principal and interest every month, and the monthly repayment amount is the same.

2. Different repayment pressures:

Due to the repayment method of paying interest first and then principal, only interest can be paid every month, and the repayment pressure is small; Matching principal and interest not only needs to pay interest, but also a part of principal, so the repayment pressure is relatively greater.

3. Different scope of application:

Interest before capital is generally used for commercial loans and mortgage loans. Matching principal and interest has a wide range of applications, such as car loans, mortgages, consumer loans, commercial loans and so on.

4. Different applicable groups:

Interest before interest is suitable for people with higher expected income in the future. After all, although we only need to repay interest in the early stage, the pressure is small, but after the loan expires, the pressure to repay all the principal in one lump sum is even greater. Matching principal and interest is suitable for people with stable income, and the monthly repayment amount is the same, which is convenient for planning family expenses.

Choose different banks according to the specific situation, and the repayment methods are also different.

4. Does the operating loan affect the mortgage approval?

Operating loans will not affect the approval of mortgage loans. As long as you meet the conditions for applying for a mortgage loan, your credit information is good, and there is no wavelength record, you can apply for a mortgage loan, and then repay it on time according to the contract, as long as there is no overdue situation.