My credit report is overdue, the number of accounts is 2, the number of months is 9, the highest overdue total in a single month is 43, and the longest overdue month is 3. This situation may have an impact on home loans.
Details:
1. Overdue situation: The credit report shows that there is an overdue record, and the number of overdue accounts is 2, which means that there has been a delay in repayment in past loans or credit card repayments. situation.
2. The number of overdue months and the maximum number of overdue months: the number of months is 9 and the maximum number of overdue months is 3, which means that in the past 9 months, at least one account has had consecutive Overdue status of more than 3 months.
3. The highest overdue amount in a single month: The highest overdue amount in a single month shown in the report is 43, which means that there was an overdue amount of 43 yuan in a certain month.
To sum up, the overdue record, number of overdue months, the longest number of overdue months and the highest total overdue amount in a single month in the personal credit report will have an impact on the application for a mortgage loan. Banks will comprehensively consider the applicant's credit status when reviewing home loan applications. Overdue records may lower the credit rating, thereby increasing the difficulty of being approved for a home loan or causing the loan interest rate to rise.
Extended information:
In addition to the indicators mentioned above, banks will also consider other factors, such as personal income, employment stability, debt burden, etc. If the applicant can provide other evidence of good credit history and increased income, it may help to offset the negative impact of a late record. In addition, each bank's lending policy will be different, so the specific impact will vary from bank to bank.
Summary:
The overdue record, number of overdue months, the longest number of overdue months and the highest total overdue amount in a single month in the personal credit report will all have an impact on the mortgage loan. Overdue records may lower your credit rating, making it more difficult to get approved for a home loan or causing higher interest rates. In addition, banks will consider other factors such as personal income and employment stability. To increase your chances of being approved for a home loan, in addition to improving your personal credit profile, you can also provide other evidence of a good credit record and increased income.
Additional information: