Xin Youyou: Applying for a loan defaults to repayment by installments, but the number of installments is long and short. Installment loans will not affect your application for mortgage loans. Borrowing money with small loan products will not greatly increase the personal debt ratio, and as long as you repay on time, borrowing money will not affect your personal credit information.
If your repayment ability and credit information are not affected, then you can apply for a mortgage normally, and having a loan record of timely repayment as a reference can play a positive role in applying for a mortgage.
concept
The debtor usually refers to the obligation to repay the creditor in the loan relationship according to the law or the contract.
Disputes, disputes continue, resulting in contradictory relations.
Based on the principle of relativity of rights and obligations, it is a debt relative to creditors, that is, it must be an obligation in civil law for a certain behavior (action or omission). Therefore, the debt relationship is essentially a judicial relationship of creditor's rights and debts, and neither creditor's rights nor debts can exist alone, otherwise it will lose its meaning.