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If the tens of thousands of loans on the credit card are not repaid, will it affect the application for mortgage?
Edit: PeterSource: Little FinanceDate: 2018-05-11

Summary:

There are now more or less credit cards in the hands of people. Moreover, the amount on the credit card may be quite a lot, there are tens of thousands of dollars, and a lot of use.

There are now more or less credit cards in the hands of people. Moreover, the amount on the credit card may be quite a lot, there are tens of thousands of dollars, and a lot of use.

However, many people know that to apply for a mortgage to a bank, they must first lower their debt ratio. Otherwise, it is very difficult for them to apply for a mortgage from a bank.

Therefore, many people are worried that if their credit card has arrears, will it affect their own application for mortgage?

Regarding such a problem, Xiaoxiao Financial Editor believes that as long as you pay back on time, it should not have much impact!

Because mortgages are not the same as general business loans; regular business loans need to examine the debt-to-equity ratio of loan applicants. However, banks have different assessments of mortgages. Banks need to consider an index called “revenue-to-loan ratio”. This “revenue-to-loan ratio” refers to the loan principal and interest that the loan applicant needs to repay each month must not exceed 55% of the average monthly income, and the credit card debt is not included.

Therefore, the credit card debt does not have much impact on our application for mortgage.

Finally, Xiao Xiaoxiao Xiaobian reminded that the focus of the most important review of mortgages is the personal credit information and income stability of loan applicants. Because personal credit information can examine the credit risk of loan applicants, and income stability can examine the repayment ability of loan applicants. Therefore, if you are afraid that the mortgage application will not come down, it is best to work hard on these two aspects!

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