Many people buy a car and have a car loan before they buy a house and apply for a house loan, so does buying a house and applying for a house loan have an impact? How about applying? Xiaobian thinks that as long as you have the ability to repay, it should not be a big problem. Let's take a look at the details.
The impact of car loans on housing loans will not be too great, provided that your monthly income proves sufficient and there is no overdue record. If you loan a car first and then a house, then your repayment ability will be deducted from the monthly payment of your car loan as the reference standard in the approval of the house loan. That is to say, when you buy a house, your monthly payment ability = monthly income - monthly payment of car loan - other loan expenses (if any). There is also the car loan and the house loan are separate, the car is not limited to purchase, only the house is limited to purchase. Remember that if you have a planned mortgage, you must keep a good repayment record, which is the most likely to affect future mortgage. As for the problem of flow, when you handle the house loan, the bank only depends on how much flow you have in and out of each month, and where you go, the bank will not manage it.