Detailed description:
1. Pay off for two years: Paying off for two years means that all overdue payments have been paid off in these two years. This shows the borrower's repayment ability and enthusiasm, and increases the possibility of obtaining a mortgage.
2. Credit repair: After paying off the debt, the borrower can take action to repair his credit record. This includes timely repayment, avoiding overdue and accumulating a good credit record.
3. Financial status: In addition to the credit history, the lender's financial status is also an important factor for banks to evaluate mortgage applications. If the borrower has a stable income and a good financial situation after paying off the debt, it will increase the chances of obtaining a mortgage loan.
Summary:
Although the credit card is seriously overdue for 13 months, and the accumulated overdue has reached 18 months, it is still possible for the borrower to apply for a mortgage after two years of repayment, credit restoration and good financial situation.
Extended data:
1. Banks attach great importance to borrowers' credit records, and overdue records will have a negative impact on applying for loans.
2. After paying off the arrears, it is recommended to check the personal credit report in time to ensure that the repayment situation is accurately reflected and take measures to repair the credit record.
3. Before applying for a mortgage, it is recommended to communicate with banks or other financial institutions in advance to understand the specific loan requirements and feasibility.
Please note that the above information is for reference only, and the actual results may be affected by many factors, including but not limited to bank policies, personal income status and credit history. It is best to consult a professional financial consultant or bank staff for more accurate advice.