When a customer applies for a mortgage, it is actually not necessary to pay off all the loans that have been handled and have not been repaid. As long as the personal debt ratio is not very high, it has little impact on the mortgage. As long as the customer maintains a good personal credit and can provide sufficient income and financial information to prove that he has the ability to repay the principal and interest of the loan on time, even if there are outstanding loans in his name, he can usually successfully apply for a mortgage.

Of course, if there are many outstanding loans and the personal debt ratio shown in the credit report is high, it is suggested that customers should try to pay off the loans or pay back part of them before applying for a mortgage, and it will be better to reduce the personal debt ratio before applying for a mortgage. Otherwise, banks are likely to refuse to approve loans because they are worried about customers' insufficient repayment ability when approving mortgages.

The most important thing is to maintain a good personal credit, pay attention to repay the loan on time and avoid overdue. Otherwise, once the repayment is overdue, it is difficult for customers to get a mortgage again in a short time.

What should I pay attention to when buying a house and getting a bank loan?

1. Will the poor credit information of one spouse affect the loan of the other?

This mainly depends on what kind of loan to apply for. If you apply for mortgage, car loan or large loan in a bank, the bank's risk control is strict. In this way, the investigation of the lender's credit record is based on the family. If either spouse has more than six overdue repayment records and the other spouse has a good credit record, the house purchase loan will also be rejected. As we all know, if Lao Lai is treated, his assets in the bank will be frozen. Since you are a family, it will definitely have an impact. Therefore, the good credit of a family also needs to be maintained by both husband and wife.

2. The borrower is no longer alive and the loan has not been paid off. Do you still need to return it?

If the lender dies before the expiration of the loan contract, the borrower's responsibility to fulfill the repayment obligation shall not be extinguished by the death of the lender. According to the relevant theory of inheritance law, the creditor's rights manifested in finance can be taken as the inheritance of the deceased. The relevant provisions of the inheritance law: inheritance should pay off the taxes and debts that the decedent should pay according to law. Paying taxes and paying debts is limited to the actual value of his estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law. In addition to inheriting debts, if it is a mortgage loan, it will deal with collateral; If it is a loan with joint guarantee, it shall be borne by the guarantor. The specific situation needs specific analysis.

3. Can rural self-built houses be used as personal property to apply for loans?

Self-built houses are different from ordinary commercial houses. There is no specialized real estate enterprise to develop and construct. Most of them are built by farmers to meet their own needs, because most of them are not recognized by the state and cannot apply for loans. Secondly, the value of rural self-occupied houses is usually not high, even if they can get loans, they are not optimistic.