You don't have to pay off all your credit cards, but at least you can't pay them back after the deadline, because if you do, the bank will think that your reputation is not good and your business loan application will not pass the examination.

Second, should the mortgage approval pay off the credit card bill?

If you plan to apply for a personal loan in our bank, you will refer to your debt and credit history. Whether you can finally pass the examination and approval is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors, and can only be determined after the approval of the outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.

Third, do you have to pay off your credit card when applying for a mortgage?

There is no need, as long as the lender's credit card is used normally and paid off on time, it will not affect the mortgage application. The bank's approval of mortgage is mainly to comprehensively evaluate the individual's economic income, bank flow, assets and liabilities, credit information and so on. The impact of credit card use on mortgage loans is as follows. Credit card use: before applying for a mortgage, you should control the credit card use quota. Generally, the credit card limit cannot exceed 50%. If there is a credit card installment, you need to pay it off in full before you can apply for a mortgage. If it is installment payment, the bank will judge that your repayment ability is not strong and it is easy to be refused a loan. There are too many credit cards. For example, there are more than a dozen credit cards in your name. Whether you use them or not, these credit cards will be displayed in your credit report, and it will also increase your credit card debt ratio, which is not conducive to approval. Credit cards have overdue records, and applying for loans requires reading personal credit report, so credit reporting plays a very important role in loan business. If there is a bad record, it is easy for banks to refuse loans, or the overdue period is not serious, which will also affect the credit line and loan interest rate. There are many kinds of overdue, but the small overdue within 1 month, or two years ago, basically has no impact. After all, mortgage is a mortgage. But short-term overdue, or long-term overdue, more than 3 months, the impact will be great! If the new house has bargaining space, credit card withdrawal only shows post-loan management, not credit card approval. Post-loan management will hardly affect the mortgage! Just like my last article, "The credit card has a recommended amount, but the withdrawal failed. What happened? There is a recommended quota, you can click. It also shows that post-loan management has nothing to do, but not all banks will show post-loan management at one time. Although the article is a photo of BOC, BOC shows post-loan management again and again. But it doesn't matter But second-hand houses will be very sad unless you spend money to find someone.