After applying for a mortgage loan, the borrower can apply for a credit loan again.

In fact, borrowers can apply for loans at any time. It's just that if you apply for a credit loan at the same bank or lending institution at the same time, or apply for a credit loan at other banks, lending institutions and platforms connected by the central bank, banks and lending institutions may think that the borrower's economic life is unstable and he does not have the ability to repay the loan principal and interest on time, so it is very likely that he will refuse to grant the loan. It is very likely that mortgage loans and credit loans will not work by then.

Also, if you go to the same bank or lending institution to apply for a credit loan just after the mortgage is released, the possibility of the credit loan being approved will be very low.

So I suggest you wait a while before applying. Of course, some online loans also provide credit loans, and the threshold is very low. However, the online loan market is mixed, with many informal platforms, and it is easy to meet fraudsters and usurers. Borrowers must be careful.

(1) For borrowers who buy first-hand houses. After the loan is approved, the bank will directly issue the loan to the account of the real estate developer. The matters needing attention of the borrower are:

(1) After receiving the notice from the bank, the borrower should remember to get the loan contract, repayment details and repayment account bank card (discount).

(2) The borrower should remember to ask the real estate developer for all invoices.

(3) After completing the mortgage formalities, the borrower should remember to get back the real estate license.

(4) According to the bank repayment details, the borrower repays on time every month to prevent his credit record from being defiled.

(5) The bank can confirm the borrower's information and real estate purchase through callback. Borrowers should not miss the bank's call back.

(2) For borrowers who buy second-hand houses. The bank will release the loan to the account provided by the seller after receiving the copy of the deed tax ticket and the original notice of receiving the certificate provided by the buyer. The matters needing attention of the borrower are:

(1) Provide the bank with the account opened by the seller for the bank.

(2) The borrower should remember to get the loan contract, repayment details and repayment account bank card (discount).

(3) According to the bank repayment details, the borrower repays on time every month to avoid overdue repayment and affect its credit history.

(4) The bank can confirm the borrower's information and real estate purchase through callback. Borrowers should not miss the bank's call back.

Can I apply for a credit loan if I have a mortgage?

Users who already have mortgages and meet the conditions for applying for credit loans can continue to apply for credit loans. Those who do not meet the conditions for applying for credit loans cannot apply for loans. Even if you submit your application, you will be rejected for the second time. In fact, whether users can apply for credit loans has nothing to do with whether they have mortgages. The key is whether the user meets the application conditions for credit loans.

Of course, when the user's repayment ability is insufficient, the lending institution will not be willing to lend money to the user on the premise of repaying the mortgage every month.

Can I still get a credit loan through mortgage?

If you have a mortgage under your user name, you can continue to apply for a credit loan. Users with mortgages are quality customers. Such customers go to the bank to apply for credit loans, and the probability of passing the loan review is very high. Or users directly apply for online loans, mostly credit loans. As long as there is no overdue record during the mortgage repayment period, the probability of passing other loan audits is relatively high.

Credit loans do not need guarantees and mortgages, so the loan amount will not be too high, and users will continue to apply for credit loans with mortgages, which will not greatly increase the personal debt ratio.