Cannot have. Ningbo commercial loans converted to housing portfolio loans cannot have Huabei. Huabei is a small consumer loan and does not carry out housing loan business, so Ningbo commercial loans converted to housing portfolio loans cannot have Huabei. Mortgage applications have certain requirements for personal credit, and the applicant needs to have good credit. If Huabei always repays on time during use, it can accumulate a good credit record for the applicant, which will be helpful for mortgage applications. On the contrary, a bad repayment record will have a negative impact on the mortgage application.