There is no hard and fast rule that you cannot have other loans when buying a house with a loan. However, if you have added consumer loans, business loans, and credit card purchases of more than 300,000 yuan in the 6 months before the loan, if you do not transfer the arrears The loan will not be approved until the loan is settled and proof of settlement is provided.

This is because when buying a house with a loan, you must use your own funds to pay the down payment. When the bank verifies the source of the down payment, if it finds a loan that has not been paid off for 6 months and a large amount of credit consumption, it will consider it as borrowed consumption. It is absolutely impossible to take out a loan to pay the down payment. Coupled with the large amount of debt, it will lead to insufficient repayment ability and the lender's default risk will be high.

If you do not have any other loans before taking out a loan to buy a house, but you borrow a small loan or use a large credit card before the loan is disbursed, and a large amount of debt is added, the loan will not be disbursed until it is settled. In addition, when buying a house with a loan, you must provide bank statements for the past six months. There must be no words such as loan, loan entrustment payment, borrowing, borrowing, intermediary advance, financing institution, etc. Otherwise, it will be considered to be a bridge through loan, advance advance, etc. to obtain down payment funds.

In short, having other loans to buy a house will affect the approval. If you don’t want to be rejected for a house loan, it is best not to borrow any consumer loans in the first 6 months of the loan, and control your personal debt ratio within 50 , don’t rush to borrow a consumer loan after the mortgage loan is approved. It is best to wait until you have paid off the mortgage loan for one year before applying.