You can't owe a credit card to buy a house by mortgage. No matter whether it is a credit card or a loan from other lending institutions, as long as it is overdue, it cannot be mortgage to buy a house. You can't buy a house until the overdue records are eliminated. The borrower in mortgage to buy a house must meet the following conditions: 1, age 18-60 years old, and have full capacity for civil conduct; 2 have a stable occupation, income and the ability to repay the principal and interest of the loan on time; 3. The actual age plus the loan application period shall not exceed 70 years old; 4. Personal credit is good. After meeting the above conditions, you can apply for a loan from the bank. When applying for a loan, the information you need to provide includes: the ID cards of husband and wife, the original and photocopy of the household registration book, the original and photocopy of the house purchase agreement, the original and photocopy of the advance payment receipt for 20% or more of the house price, the family income certificate, the asset certificate, the developer's collection account number, etc.