The husband and wife borrowed money to buy a house, and the subprime credit card owed 30,000 yuan, which was not overdue and had a bad record. The loan subject is pure white households, will this affect the loan mortgage? As far as mortgage is concerned, in fact, the importance of credit reporting by husband and wife, the main lender and the subprime lender is the same, and the relevant requirements for credit reporting will not be relaxed just because they are subprime lenders.

The examiner's greatest requirement for credit information is that it is not overdue.

As for the fact that you have online loans, it won't make your credit report ugly, but the balance of online loans is included in the liabilities, and your income-liability ratio will be calculated together with the monthly mortgage repayment.

In other words, if you have an outstanding online loan, the bank will require you to have a higher average monthly income (proof of income or the embodiment of running water, or the rudest thing is to directly deposit a corresponding amount of time deposit in the bank to offset that debt).

What's more, hundreds of thousands of running water a month does not prove that your husband has hundreds of thousands of income a month. The average monthly income may be several thousand yuan (depending on the business background, such as industry and scale, involving loan majors. It is a long story)

My personal suggestion is to pay back the online loan directly and let the online loan platform give you a proof of settlement. If it's really not up, find the corresponding bank to do the math for you. If it works, sign it directly, if it doesn't, try again.