Overdue credit cards will affect the loan to buy a house. The following is a detailed explanation of this issue:

1. Overdue credit cards will cause damage to your credit history and affect the possibility of getting a loan to buy a house. Banks or other lenders often evaluate a borrower's credit history and credit score when considering whether to grant a loan. Late payments will leave a negative mark on your credit report, which may affect your credit evaluation when applying for a loan.

2. Banks usually evaluate the borrower's repayment ability and willingness to repay based on overdue status. If a borrower's credit card bills are often overdue, the bank will consider the borrower unreliable in repayment obligations, which will affect the outcome of the loan application. Banks prefer to provide loans to borrowers with good credit records.

3. The impact of overdue credit cards on home loans is mainly reflected in two aspects: first, even if the bank finally agrees to grant a loan, the overdue record may cause the borrower to face higher interest rates or additional mortgage requirements; Secondly, serious overdue records may directly lead to loan rejection during the loan application stage.

It is recommended that users go to Qingquan Kuaicha to check credit big data in order to better understand their credit status. Qingdog Kuaicha is an institution that provides personal credit record inquiry and credit assessment services. By entering personal information, users can obtain a personal credit report for free and understand their credit status. This will help users assess their credit situation before applying for a loan to buy a house, so as to better formulate a loan plan and, where possible, take corrective measures to improve their personal credit history.

In short, overdue credit cards will have a negative impact on the loan to buy a house. A good credit history helps improve your chances of success when applying for a loan and may lead to more favorable loan rates and terms. Therefore, timely repayment and maintaining a good credit history are important factors in the process of buying a house with a loan.