The reason for this is the following：

1. Credit record: The bank will check the applicant's credit record when approving the mortgage. Frequent loan repayment records of online loans will be displayed in the credit report, which may have an impact on the credit score.

2. Debt burden: The existence of online loans increases the personal debt burden, and banks will comprehensively evaluate the repayment ability of applicants when considering lending. If the debt burden is too high, it may affect the applicant's access to mortgage loans.

3. Repayment record: Although the online loan has been paid off successfully, the bank will still pay attention to the stability of repayment. If there is overdue or delayed repayment, it may have an adverse impact on mortgage approval.

Summary:

Frequent loan repayment records, debt burden and repayment records of online loans may have a certain impact on handling mortgage loans. It is recommended to plan your personal financial situation in advance before applying for a mortgage, and try to maintain a good credit record and repayment record.

Extended data:

According to China's relevant laws and regulations, banks will comprehensively consider many factors when handling mortgage loans, including the applicant's credit history, debt burden, repayment ability and so on. Therefore, before handling the mortgage, it is necessary to plan the personal financial situation reasonably, avoid excessive debt burden, and maintain a good repayment record, which is helpful to improve the success rate of mortgage approval.