In the current mortgage policy, the borrower ' s credit evaluation is one of the necessary conditions for applying for a mortgage. For Internet borrowers, it is also a matter of concern how long they will have to pay off their mortgages. How long can I apply for a mortgage after I can repay it

How long will a mortgage be paid

From the bank's point of view, if the borrower had experience of online lending when applying for a mortgage, the bank would probably consider it a “high-risk population”. This is due to issues such as Internet lending, which is not controlled by financial regulators, excessive interest rates and limited early repayment. Thus, banks, in order to protect their interests, conduct more detailed scrutiny of borrowers after the repayment of net loans。

From the point of view of network lending companies, repayment capacity is an important indicator of a borrower. If the borrower had had a overdue record or had made several successive interim repayments, it would have been preferable to guarantee full repayment of principal and interest before repaying the loan. In addition, borrowers' lending records and credit evaluations affect the willingness of network lending companies and are more likely to obtain mortgages if they maintain good credit performance in the repayment records。

In addition, repayment of a net loan does not amount to a “white note” for the borrower. If the borrower is applying for a commercial loan, the bank staff takes a comprehensive view of the borrower ' s capabilities and stability. In this process, the “plus” effect of repayment of net or other loans on borrowers is not absolute。

In general, it is not a very simple matter to apply for a mortgage after the online loan has been repaid, but after a bank review it is expected to succeed. At the same time, borrowers also need to pay particular attention to their Internet lending records before they can be repaid, if negative records are found to be resolved in a timely manner and to maintain good credit performance in subsequent repayments。