What should I do if the mortgage deduction fails? Can I still apply for a bank loan after taking out an online loan of 150,000 yuan?

When we apply for a mortgage, the bank requires an interview. Whether you are buying a new house or a second-hand house, you need to pass the interview before the bank will approve the loan. So, what should I do if the deduction fails after the mortgage is approved? Now, let's learn about the relevant knowledge with Encyclopedia Knowledge Network!

Contents of this article

1. What should I do if the mortgage payment fails?

2. Can I apply for a bank loan if I have an online loan of 150,000 yuan?

3. Can I use my credit card before the mortgage is released?

What should I do if the mortgage payment fails?

If the deduction fails on the morning of the repayment day, the system will initiate the deduction again on the repayment day. If the user's repayment amount is automatically deducted successfully or the user actively repays, as long as the deduction time is on the repayment day, it is considered a normal repayment. Normal repayment is recorded in the normal credit record, which is very important for maintaining personal credit.

In addition, if the loan has a grace period for repayment, then if the deduction is successful during the grace period, it will also be considered a normal repayment. Therefore, if the deduction fails in the morning, the user still has the opportunity to repay on time.

Can I apply for a bank loan if I have an online loan of 150,000 yuan?

Online loans are different from bank loans. Users can apply for bank loans as long as they meet the application requirements of bank loans. Of course, if the previous online loan application records are retained in the credit report, it will have a certain impact on the user's application for bank loans. Some banks have a low tolerance for online loans. If there is no online loan application record in the credit report, as long as there is no overdue repayment record, the credit report can pass.

Can I use my credit card before the mortgage is approved?

If the mortgage has been approved but has not yet been disbursed, you can use a credit card to repay the loan. However, you must repay the loan on time to avoid overdue payments. In fact, you can also use a credit card during the mortgage application process, and the use process will not affect the mortgage application in any way.

When applying for a mortgage, the bank will check the borrower's credit report, which records the user's credit card usage and the number of cards held. These are the borrower's debts and will have a certain impact on the mortgage application. However, when applying for a mortgage, the most important thing is to look at the income certificate submitted by the user before deciding whether to lend.