The relationship between mortgage and online loan depends on many factors. The following are the specific explanations of the influencing factors:

1. Loan amount: If the loan amount you borrowed is small (more than100000 yuan), it may not have much impact on the mortgage. However, if the amount of online loans is large, it may have a certain impact on the mortgage.

2. Down payment ratio: If you can pay a higher down payment (30%), you can reduce your loan risk and help keep the loan interest rate low. This will reduce the impact on the mortgage.

3. Credit history and repayment ability: Banks usually consider your credit history and repayment ability to decide whether to approve the mortgage application. If you have a good online loan record and repay it on time, it will help to improve your credit rating and increase your chances of getting a mortgage loan.

4. Loan term and interest rate: The longer the loan term, the lower the monthly payment; The higher the interest rate, the higher the monthly supply. If online lending leads to a decline in your credit rating, it may lead to an increase in mortgage interest rates, which in turn will affect monthly payments.

To sum up, the loan amount, down payment ratio, credit history and repayment ability, loan term, interest rate and other factors will have an impact on the mortgage. The best advice is to ensure the timely repayment of online loans and consult the bank to understand the specific situation before applying for a mortgage.

Extended data:

Online loan: refers to the act of lending through the Internet platform. The risk is high and should be carefully considered.

Mortgage: refers to a loan applied to a bank or financial institution when buying a house, usually with certain restrictions and conditions.