Sure,

2. Do I need to pay off my mortgage credit card?

There is no need to pay off all overdue credit cards when handling mortgage loans. Whether to pay off the house by credit card can be done as long as the personal credit is good, meets the loan conditions of the bank, has sufficient assets and financial resources, and can repay the principal and interest of the loan on schedule. However, if the minimum repayment has been made, the bank will also consider the repayment ability of the lender so that the loan amount can be

The factors that affect mortgage loan approval mainly include:

1. Natural conditions: including age, household registration, family structure, schooling time and housing status, which are used to evaluate whether the lender has basic loan qualifications.

2. Liquidity category: including annual household income, net household income, household financial assets and other assets, so as to evaluate the repayment ability of the lender.

3. Support ability category: including medical insurance, endowment insurance, accident insurance and housing accumulation fund. The purpose is medical insurance and endowment insurance, that is, whether the lender will have a significant impact on loan repayment due to sudden illness or natural death.

4. Subtract items: If the lender's credit record shows that there are bad debts or loan defaults, it will greatly affect the lender's mortgage application.

3. Can I apply for a loan if my credit card has not been paid off?

Credit card overdraft consumption has become the mainstream of consumption in today's society. Credit cards provide cardholders with non-cash payment methods and enjoy interest-free privileges for a certain period of time, as long as they repay on the last repayment date. When people are in financial difficulties, credit cards provide services such as minimum repayment and cash installment. If the cardholder needs money urgently and the credit card has not been paid off, can he apply for a loan?

Can't the credit card repay the loan? Solve the problem of "credit card can't repay the loan". The two situations are summarized as follows: 1. If your credit card debt is still enjoying the interest-free period, the cardholder chooses to apply for a loan from the bank. General banks will combine your financial strength and repayment ability. As long as you have no overdue and bad credit history, it has nothing to do with the outstanding credit card debt, so it will not affect your loan application. The bank will 2. If the credit card is not paid off, the overdue credit card itself will affect the bank's loan approval. In addition, there are still outstanding credit cards. In this case, the bank will not lend. It is suggested that cardholders pay off their debts immediately, continue to use their cards, and replace bad records with good ones. Applying for a credit card is a simple matter for many people, but it needs more thinking to use it well. I believe that through this article, everyone is very clear about whether a credit card can be loaned if it is not paid off. If you need a loan, provide an excellent entrance, which is safe and the next payment is relatively fast. click