Details are as follows:

1. When considering whether to grant loans, banks will comprehensively consider the applicant's credit history, income and other factors. Although overdue records will have a negative impact on credit scores, it does not mean that loans cannot be obtained.

In this case, applicants need to provide proof that they have taken measures to improve their credit and can repay their debts on time. For example, you can provide the latest credit report, showing the improvement of credit status and the decreasing trend of overdue records.

3. In addition, if the applicant's income is stable enough to support the loan amount and can provide guarantee or collateral, the bank may be more willing to consider the loan application.

4. In the end, the bank will make a comprehensive evaluation, weigh the risks and rewards, and make a decision based on various factors.

Summary: Although overdue records will have a certain impact on the loan application, it is still possible for the applicant to obtain a loan if he can provide evidence to prove that his credit status is improving and he has repayment ability and guarantee conditions.

Extended data:

China's personal credit system is based on the credit information system, led by the central bank. Banks and other financial institutions usually refer to personal credit records in their credit reports to evaluate their repayment ability and credit status. Therefore, maintaining a good credit record is very important for applying for a loan. However, even if there is an overdue record, it does not mean that the loan cannot be obtained. The key is to prove to the bank that your credit status has improved and your repayment ability has improved.