2. Detailed description:

A. Importance of credit record: Housing loans usually require borrowers to provide good credit records. Banks or lending institutions will evaluate the credit status of borrowers to determine their repayment ability and risk level.

B. Influence of overdue repayment on credit record: overdue repayment will seriously damage the borrower's credit record. Continuous overdue repayment for 1 months indicates that the borrower cannot repay the debt on time, which will leave a negative record in the credit report.

C. Difficulties in loan approval: When borrowers with bad credit records apply for housing loans, banks may think that their credit risk is high, thus increasing the difficulty in loan approval.

D. Interest rate and terms: Even if the borrowers who are late in repayment succeed in obtaining the house purchase loan, they may face higher interest rate and unfavorable loan terms due to bad credit.

3. Summary: 1-month overdue repayment of credit cards will have a negative impact on housing loans. Overdue repayment will damage the borrower's credit record, make it difficult to approve the house purchase loan, and may lead to higher interest rates and bad loan terms.

4.

Extended information: According to the relevant laws and regulations of China, banks and lending institutions usually refer to borrowers' credit records when approving their applications for housing loans. Overdue repayment will be recorded in the credit report, which will have a long-term impact on the credit record. In addition, banks in China may have slightly different approval standards and requirements for housing loans, but generally speaking, a good credit record is one of the important conditions for obtaining housing loans. Therefore, it is suggested to repay the loan in time and maintain a good credit record, so as to obtain the house purchase loan smoothly in the future.