In recent years, with the rapid development of Internet finance, consumer credit products have gradually moved into people ' s lives. For some borrowers, loans have not yet been repaid, but other loans, especially mortgages, are required. However, success in applying for a mortgage requires an analysis from several angles。

First, it is personal credit records that need to be taken into account. Borrowing as a microfinance product does not usually have a significant impact on individual credit records. However, borrowing that is overdue or in arrears will have a negative impact on personal credit records. When granting a mortgage, the bank usually reviews the applicant ' s personal credit records and there is a risk that the loan may be rejected or limited if the loan is found to be overdue or in arrears。

Secondly, attention needs to be paid to the financial situation of individuals. Borrowing is a short-term consumer credit and generally does not require the provision of collateral or guarantors. In contrast, the mortgage is a large long-term loan, which usually requires the provision of property as collateral, taking into account the applicant ' s income situation to ensure repayment capacity. If a loan is outstanding, it indicates that the applicant ' s solvency may be in question, which would affect the outcome of the mortgage application。

Thirdly, consideration needs to be given to the fact that loans differ from loans for housing. Loans are for personal consumption, free use, high mobility and, generally, non-earmarked loans. In the case of mortgages for long-term investment in the purchase of property, the bank scrutinizes the specific purpose of the loan. As a result, loans are not available for direct application。

In conclusion, the ability to apply for a mortgage without being repaid depends on the individual's credit record, the individual's financial situation and the type of loan. If borrowing without repayment has a negative impact on personal credit records, or if the applicant has a poor financial situation and a weak solvency, combined with different types of loans, it is likely that applications for mortgages will be restricted or rejected。

There are, however, special circumstances. The success of the mortgage application will be enhanced if the loan is of a small amount and does not have a clear impact on the personal credit record, while the applicant is in a better financial position, has a stable source of income and can provide other collateral to support the application。