Will frequent application for credit card affect mortgage?

Frequent application for credit cards will affect the mortgage. First of all, frequent application for credit cards will cause the issuing bank to inquire about the applicant's personal credit many times, which will affect the applicant's personal credit and the later mortgage. Secondly, frequent application for credit cards will make banks think that the borrower's personal debt ratio is too high. In other words, if the borrower has multiple credit cards, the bank will think that the borrower has a card. Generally speaking, from the situation that borrowers apply for credit cards for many times, at the same time, multiple cards mean that the risk of excessive debt ratio increases, which will still affect the loan application. In addition, the overdue repayment of the borrower's credit card will affect the personal credit information, thus affecting the loan application.

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1. How to get the lowest bank loan interest rate: Choose the bank with the lowest interest rate to apply for a loan. Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific situation is different for each bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate. Pay attention to personal credit information and keep it well. Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.

2. The loan review suggests carefully reviewing every loan, and don't base the risk judgment of the loan on the past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed. A system of regular meetings between the legal representative of the borrower and its main management personnel shall be established. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly. Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities. Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower. For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.