Loans to buy a house, online loans will affect. Mainly because banks will focus on personal income, expenditure and liabilities when reviewing borrowers' mortgage materials. If there is an online loan, it will mean that the borrower is short of funds and has insufficient repayment ability, and may be refused a loan.

Matters needing attention in buying a house by loan

1. Pay attention to the loan amount.

In this era of high inflation, most property buyers know that they need to apply for more loan quotas to buy a house. After all, money will become less and less valuable in the future. However, not everyone is suitable for a high loan amount. If your monthly income is limited and your monthly consumption is large, you'd better reduce the loan amount, otherwise you can't afford to abandon your house and cut off your supply!

2. Pay attention to the lending bank.

Different banks often have different standards when approving mortgage loans. If your loan application information is flawed, you may wish to choose a bank with relatively loose mortgage review as a loan bank, so your mortgage success rate may be higher.

3. Pay attention to the mortgage interest rate

At present, housing prices remain high, and buyers are under great pressure to buy a house. If the mortgage interest rate is relatively high, then the repayment pressure can be imagined! Therefore, when buying a house with a loan, we must pay attention to the mortgage interest rate. If conditions permit, we may wish to pursue low mortgage interest rates.

4. Pay attention to the loan application materials.

When applying for a mortgage, buyers often need to provide a lot of personal information, such as personal identity information and bank accounts. If your loan application information is incomplete, then the bank is likely to refuse the loan directly. Therefore, when buying a house with a loan, you may wish to know what information you need from the bank first, and try to prepare it at one time, which can improve the efficiency of mortgage approval.

5. Pay attention to the loan application time.

In the process of real estate transaction, if the buyer fails to pay the purchase price on time, it will be regarded as a breach of contract and will pay a heavy price. Therefore, when buying a house with a loan, everyone must pay attention to the time of applying for a loan to avoid overdue default.