Serious consequences of overdue credit cards:
1, resulting in overdue interest and late fees;
2. Bad credit record;
3. Banks will collect money and may face criminal problems.
Conditions for applying for mortgage loan:
Having a fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located;
China citizens under the age of 65 with full capacity for civil conduct;
Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
Have a good credit record and willingness to repay, and no bad credit record;
Being able to provide legal, effective and reliable guarantees recognized by the bank;
There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions;
Open a personal settlement account in a bank;
Other conditions stipulated by the bank.
Remarks: Credit cards should be repaid on time. Too serious overdue will affect personal credit information and personal loans.