With the concept of overdraft consumption has been deeply rooted in people's hearts, credit cards have gradually entered thousands of households, but along with it, the overdue rate of credit cards is also rising. When you swipe your card, you don't control it unless you pay. We should know that once the credit card is overdue, it will be uploaded to the central bank's credit information system, which will have a great impact on everyone's future credit card, mortgage, car loan and banking finance business. So does the overdue credit card have an impact on the mortgage? Correct handling is the key!

Will the overdue credit card affect the mortgage? We should consider the following points:

1, overdue time: It is understood that the current credit report will only keep the credit records for the last five years, and most banks generally only look at the applicant's credit records for the last two years. Therefore, if everyone's credit card expired five years ago, there will generally be no negative impact, and you can apply for a mortgage normally.

2. Overdue times: The bank's credit requirement for mortgage applicants is that the cumulative number of overdue times in the past two years should not exceed 6 times, and there should not be three consecutive overdue times. If there are only 1-2 overdue credit cards in the past two years, the impact on mortgage application will not be great.

3. Whether to settle: If the applicant fails to pay off the arrears after the credit card is overdue, it will be seriously overdue and become bad credit after the overdue time exceeds 90 days. At that time, let alone mortgage, even if you apply for an ordinary bank loan, you will be directly rejected.

So how to borrow money to buy a house after the credit card is overdue? Try this:

1. Provide the bank with proof of its repayment ability as far as possible, such as providing proof of assets in its own name or providing additional guarantee;

2. Accept other conditions proposed by the bank, such as raising the loan interest rate or raising the down payment requirements;

3. Negotiate with developers, try to choose some foreign banks, joint-stock banks or local banks, and avoid state-owned banks.

To sum up, whether a credit card can be loaned to buy a house after it is overdue needs to be comprehensively evaluated with information from multiple dimensions. Even if you have no problem with credit reporting, the debt ratio is high and the repayment ability is insufficient, which will also affect the approval of mortgage loans.