business banks' “e-loan” products are popular because of their personal characteristics. however, there is a general concern as to how long it will take to reapply for use once the “lending” has been repaid. if you fulfil the requirements of an application, you have a certain personal credit base, and then you can borrow at any time。

how long will it take to repay the loan

first of all, it's the primary task of protecting your experience by protecting your personal credit. good credit is not only a basic condition for the application of the “e-loan” product, but also a key to ensuring that your future loans are unobstructed, for example, because you do not have a bad credit record such as a loan overdue, credit card overdue, etc. if you have a lower credit rating, this may affect the application or lead to a reduction in the loan line, so the maintenance of personal credit qualifications is essential for the application of the “loan” product。

secondly, a stable income is an important prerequisite for obtaining “lending” passage. you need to have a fixed job and income and be able to provide the corresponding supporting documentation. because the bank will evaluate and give credit ratings in the light of your income, the income position helps you to obtain a high level of “leverage”. however, if there is no stable source of income, there may be some difficulties in re-inviting for “e-loaning”。

moreover, age is a factor that must be taken into account in applying for a “loan”. the “e-loan” product may only be applied for if you are 18 years of age or older and have full civil capacity. however, if they are under the age of 18 or over 60, they do not meet the requirements for application and cannot successfully apply the loan product。

some people wonder if “lending” will affect mortgages? in fact, the early repayment of the “lending” does not affect your housing loan. however, this may have an impact on your mortgage if there is still an outstanding “e-loan” at the time of the application, or if there has been a delay in the use of “e-loan”。

factors affecting the approval of mortgages include high debt ratios, poor credit history and excessive microcredit. if the borrower's debt ratio is too high, the bank generally refuses the loan directly, so you need to clear the “e-loan” and other loans before applying for a mortgage. at the same time, it is important to maintain good personal correspondence reports, which may affect your approval of loans if there are overdue records. finally, the frequent use of micro-credits, such as loans, granule loans and so on, may also have a negative impact on your mortgage。

at the end of the day, as long as you apply for a mortgage, the loan is not due, it will not affect your application。