as demand for financial services continues to grow, major banks have introduced individual loan products such as “lending” and “credit card breaks”. at the same time, loans for home purchases have always been a major event in people ' s lives, so if they have been made, can they be continued

do you think i can get a mortgage after i borrow

bank e-loan is a personal, mortgage-free loan product launched by the bank of commerce and industry to provide financial service consumers with working capital. the terms of application and the process for the loan product are simple and do not require guarantees and collateral. as a result, this is a very attractive loan product, but at the same time, the purchase of real estate remains an essential necessity for many。

In order to address the problem, we can analyse it from the following angles:

I. Bank loans are your ability to repay, not how much you have borrowed

Each loan has an impact on the credit rating of the individual, but when the bank grants the loan, it is the borrower's ability to repay it, not your current debt. If the borrower ' s personal income is sufficient to repay and there are no other poor credit records, it is likely that the application for a home purchase loan will be approved during the bank loan approval process。

II. LIABILITY FUNDS AND HOUSING LEVELS are two different types of loans

the funds borrowed by the bank e have been used for a variety of purposes, both in such areas as the purchase of household electricity and furniture, and in such other areas as travel and renovation. loans for the purchase of housing, on the other hand, are earmarked for the purpose of providing financial support for the purchase of property, which is fixed and cannot be used for other purposes. as a result, the two types of loans are completely different, as are the application and approval processes。

III. The amount of the loan and the period of repayment affect the outcome of the approval

both the amount of the loan and the repayment period are important considerations, both in terms of the purchase of the loan and in terms of borrowing. banks may be more inclined to approve applications for home-purchase loans if the repayment period of the loan is shorter or the loan amount is smaller. on the contrary, banks may be more cautious in the approval process if the repayment period for the loan is longer or the loan is larger。