Major banks are relatively strict in reviewing mortgage applications. As long as individuals and family members have bad credit records in the central bank’s credit reporting system, they will basically be rejected immediately.

And a credit card (debit card) that is overdue 14 times is a serious breach of contract. It will definitely leave a stain on the central bank's credit report, and the mortgage loan will not be approved. It is best to improve your credit score and wait at least 2 years before applying for a mortgage.

Note that in the field of credit loans, "three consecutive overdues within two years, or a cumulative six overdues" is considered a serious bad credit behavior, and the bank will directly reject the mortgage application.