However, this is not recommended. After all, if you apply for a mortgage and apply for a lot of small loans at the same time, it will lead to a long borrowing time and a high personal debt ratio, which may affect the mortgage review.
Therefore, it is suggested that it is best to wait until the mortgage is successfully approved and the loan is successfully released before applying for a small loan.
And if you really need money, it's not a big problem to borrow one or two, and then pay attention to paying back the money on time.
After all, most microfinance loans are not connected to the central bank's credit information system, mainly recorded in big data.
It should be noted that if the small loan is not repaid on time and overdue, and the mortgage has not been audited, then the overdue small loan may have a certain impact on the mortgage approval.
Because overdue will lead to personal credit damage, so the mortgage may be rejected because of credit problems.
Generally, when people use the credit records of the central bank, they will leave traces of inquiries, which is not good for friends who borrow money, and most online loans have no credit function, so they can't find specific online loan information in the credit information, but now they can know their personal data through "Xiaoqi Credit Information". Without inquiry records, they can also learn more about overdue online loans, application records, untrustworthy information, online loan blacklists and other information.
Extended data:
How long will the contract expire if the bank mortgage is not borrowed?
As long as you sign a loan contract when you go to the bank to mortgage, unless someone on both sides proposes to terminate the relationship, the contract will generally not be invalid, regardless of how long the bank does not lend money.
Of course, we should also note that if the mortgage is postponed, it is not because the bank is short of funds or the loan is postponed, but because of its own credit or real estate developers.
If the problem lies with the bank, just wait patiently; However, if it is in itself, the mortgage may not be approved. At that time, we will either try to remedy it or give up and terminate the contract.
And if the problem comes from real estate developers, then you can only choose to return a house.
And if you check out and cancel the contract, the contract will naturally become invalid.
Also, those who return a house due to their own problems may also be liable for breach of contract due to early termination of the contract.
Of course, if the problem is not, then you don't have to bear the liability for breach of contract if you choose to terminate the contract.