It depends on all the settlement time. If the settlement is less than one year, there will be more transactions, which will have an impact. The bank will think that your financial situation is not very good and will probably refuse the loan. Whether to apply for credit information, whether the overdue time is recorded by the credit information system, and whether the overdue situation conforms to the loan refusal rules. The central bank will keep the overdue records of customers until settlement, and will keep them for five years after settlement.

The basic rule of transferring mortgage to personal credit is: check the data of the last five years. According to the data of the last two years, the overdue records within two years are no more than 90 days, that is, the overdue records for two consecutive months within two years can be applied, but when the overdue records appear for three consecutive months, the bank will not accept them. For indirect overdue records, banks usually require that the cumulative overdue records should not exceed 6 times within two years, and the conditions of individual banks will be relaxed appropriately. Due to fierce competition, the cumulative overdue times of individual commercial banks increased to 12 within two years.

The most important thing for banks in credit investigation is to see if there is any overdue. If there are overdue bank loans, they pay more attention to current liabilities. If the debt is high, banks will be more cautious when lending. In fact, each bank's mortgage depends on different credit information. Personally, if it is really necessary, you can make a credit survey for the bank in advance, which is relatively secure! Although banks don't like the rapid popularization of online loans, with the rapid popularization of many online loans, banks have to try to accept them.

However, the approver will consider the customer's future risk points on the final settlement date. If the loan is fully settled for more than half a year, it will generally be approved according to the normal process. If you have just settled down, you will consider mortgage loans and mortgage loan approval, and you will continue to apply for online loans, so you will increase the down payment or interest rate before the loan. By the way, I suggest that friends who want to buy a house in the near future should not overdue the online loan, and it is best to settle it as soon as possible. In fact, the interest on online loans is quite high, because it is mainly paid in installments, with relatively high monthly repayment and large asset-liability ratio coefficient, which has a great impact on mortgage loans.