Question 1: Will the car loan affect the mortgage? Needless to say, you can't buy a car.

If you take out a loan to buy a car first and then buy a house, your repayment ability will be deducted from your monthly car loan as a reference standard when approving the mortgage. In other words, when you buy a house, your monthly payment capacity = monthly income-monthly payment of car loan-other loan expenses (if any). In fact, this influence is not great, as long as your monthly income proves enough.

You can't apply for a car loan without a driver's license.

In short, the impact of car loans on mortgage loans will not be too great, provided that your monthly income proves sufficient.

Question 2: Does the car loan not affect the mortgage? As long as the credit is good and meets the following requirements, you can borrow again to buy a house;

The specified conditions are based on whether it is a first-hand house or a second-hand house, as follows:

1. First-hand housing mortgage loan

If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.

2. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.

Question 3: Will having a car loan affect the mortgage? It will definitely have an impact. Your repayment ability is insufficient, so it is probably not approved.

If you pay back the car loan in advance, it should be no problem.

I suggest consulting the bank before buying a house, so as not to default when the loan is not available. It is said that there are only eight months left, and the problem will not be too big.

Question 4: Does car loan have an impact on mortgage? It doesn't matter if the loan is on time.

Mortgage information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Question 5: Can I still repay my mortgage with a car loan? Yes, the specific loan amount and term should consider family income and repayment ability. Car loan repayment will affect the evaluation of repayment ability. Your mother's retirement shows that they are not young, and the loan term is generally that the borrower is under 60 and the maximum is 65. Therefore, the quota of 400,000 may be difficult. Consider adding the same payer, such as you.

Question 6: The impact of car loan on mortgage 1. Car loans and mortgages are separated, not limited to car purchases, only housing.

2. Car loan will not affect your future mortgage, as long as you have no overdue record.

3. If you mortgage again in the future, you need to raise the standard of your loan again in terms of running water.

The method provided by the brother upstairs can also be used for reference, so that you don't have to have a headache or run water when you mortgage again in the future.

Remember, if you have a planned mortgage, you must make a repayment record, which is most likely to affect your future mortgage.

Besides, you haven't paid off your first car loan, so it's uncertain whether you can borrow another one. Ha ha. . .

Supplement: The bank only looks at how much water you have every month, how to get it out, and when to get it out, and it won't care. If you don't want to save 1000, just take out 1000 and save it. It's too fake. Time, time, you know.

Question 7: Will buying a car with a car loan before buying a house affect the credit limit when buying a house? Automobile loan belongs to consumer loan, and house mortgage belongs to mortgage. These are two different business types, which do not affect each other. No matter how many consumer loans there are, banks are willing to give mortgages as long as the repayment is normal. The only impact is that the income should be enough to pay consumer loans and mortgages.

Question 8: The car has been booked and the house has been booked. If you take out a car loan now, will it affect your future mortgage? Under normal circumstances, 30 points will have an impact, unless the sum of your car loan and mortgage is not higher than your total amount, it will not have an impact, but few people can do it, because the credit line given by the bank according to the individual's comprehensive situation is relatively fixed (everyone's repayment ability is fixed). If the total amount is higher than your total amount, it will definitely have an impact, not here but there. If possible, I suggest that you don't apply in the same bank, apply for a mortgage first, and don't lend money after applying. At the same time, apply for a car loan, lend the money directly to the car loan, and then let the mortgage bank lend the money to you after the car loan is released. It won't make any difference. I hope it helps you.

Question 9: Do car loans and bank loans have an impact on buying a house? As long as you can prove that you have enough repayment ability, it doesn't affect.

Question 10: Will the car loan affect the future mortgage? As long as you have special purposes, it won't make any difference. In other words, when buying a car loan, you must use a credit loan to buy a car, and never use a house mortgage loan to buy a car, which forms that you use a house loan to buy a car. In terms of loans, it is a mortgage loan rather than a car loan. As a bank, he only recognizes what kind of loan you are, and does not track what you use. Many friends are fooled in this respect. Of course, I can't say that I was fooled. It should be said that people used this kind of credit loan according to what the bank was convenient to borrow at that time, and not all the loans were used for real loans. This is the problem of "earmarking" that I mentioned at the beginning. For your reference.

Will car loan affect mortgage?

General car loans will not affect the mortgage, as long as the lender's credit such as car loans is not overdue, personal income can cover all loan expenses. With good credit information and sufficient repayment ability, banks will not refuse to lend.

However, if the car loan applied by the lender is overdue and there is a bad credit record on the credit investigation, the bank is likely to refuse the loan. In addition, if there are other loans outstanding, the bank may increase the requirements for the lender's income flow. If the lender has no confidence in his income stream, he can pay off the car loan first.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Will car loan affect mortgage? The degree of influence should be analyzed in detail!

Nowadays, many people will apply for a car loan when they buy a car, and then they want to apply for a mortgage. So, will car loans affect mortgages? Here I will give you a detailed analysis of the impact of car loans on mortgages, hoping to help you.

In some cases, car loans do have an impact on mortgages. Here, according to the two situations that the car loan has been paid off and the car loan has not been paid off, specifically analyze whether the car loan will affect the mortgage.

The car loan has been paid off.

If the borrower's car loan has been paid off, the impact on the mortgage will be relatively small. Generally speaking, if you don't find overdue repayment when you repay the car loan, then you don't have to worry that the car loan will affect the mortgage.

The car loan has not been paid off yet

If everyone's current car loan has not been paid off, then applying for a mortgage will have a great impact. After all, in the case that the car loan has not been paid off, if the borrower increases the mortgage, the repayment pressure will be great. For people whose personal income is not very high and their repayment ability is not very strong, it is easy to be refused loans because of their insufficient repayment ability.

For friends who have not paid off their car loans, it is best to settle the car loans first, and then apply for a mortgage. If you can wait a while after paying off the car loan, so much the better, and the pass rate will be greatly improved.

Above, we have introduced in detail whether car loans will affect mortgages. Generally speaking, in some cases, car loans will have a great impact on mortgages. Therefore, it is recommended to pay off your car loan for a period of time before applying for a mortgage.

Will car loan affect mortgage?

From the nature of the loan, the car loan will not affect the application for mortgage, because no matter what kind of loan you apply for, as long as you can prove your repayment ability and meet the loan demand, you can apply successfully without any connection. If the mortgage is affected after the car loan, it is generally because the individual did not repay the loan in time according to the loan requirements, thus affecting the personal credit information. Or after the loan, it does not have obvious repayment ability, which leads to the bank's failure to pass when approving the mortgage.