Legal analysis: the borrower is overdue for 6 or 3 times in a row and cannot apply for a loan. However, if the applicant can provide evidence that he has not intentionally overdue, the bank may continue to lend. The issuance and use of loans shall comply with national laws, administrative regulations and administrative regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity. Generally speaking, if the total number of overdue times reflected in the credit report does not exceed 6 or 3 times in the past year, the bank will think that there is no serious problem with the credit record. If the applicant does not have a loans overdue record, the number of overdue credit cards is only once or twice, and such a credit investigation will not have a serious impact. However, if it is currently overdue, that is, a credit card is overdue when applying for a loan, even if the previous credit is very good, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan. There are three kinds of overdue times of credit cards: current overdue times, cumulative overdue times and maximum overdue times, as follows:

1. Number of overdue periods in the current period: refers to the number of consecutive times when the minimum repayment amount has not been paid. For example, if the cardholder fails to repay for three consecutive months, or the repayment amount for three months is lower than the minimum repayment amount, then the current period is three times;

2. Cumulative overdue times: the cardholder will accumulate the overdue times each time. For example, if the cardholder is overdue in the first month, repays on time in the second month and overdue in the third month, then the number of overdue times is 2.

3. Maximum overdue times: the historical maximum of current overdue times. For example, if the cardholder's current overdue number is 5 times in1-1October, the maximum overdue number is 5 times.

As can be seen from the above, the overdue credit card cannot be sure that the loan cannot be made. As long as the borrower's repayment ability is good and the overdue times do not exceed the bank standard, the loan can still be made. Therefore, if you want to get a smooth loan, you should pay attention to credit, use your card carefully, and form a good habit of using it.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 14 of the General Principles of Loans: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

Can I borrow money to buy a house when my credit is overdue?

If the credit is overdue, you may not be able to borrow money to buy a house. This depends on how serious the personal credit report is. Generally, it is overdue for no more than two times within half a year. If it is overdue for no more than three times in a row and accumulated for more than six times in two years, you can borrow money to buy a house. When the above requirements are not met, it means that it is seriously overdue. In this case, it is unlikely that the loan will be approved. Credit investigation has always been the standard for banks or lending institutions to evaluate the integrity of lending institutions, and it is also the standard for borrowers to repay on time. This is also a way to avoid risks. Therefore, credit may have a certain impact on the loan to buy a house.

Extended data

When applying for a mortgage loan, the developer will submit information to the bank to inquire about the applicant's bank credit status in the past two years. If the personal credit is not good, the loan may be rejected. Of course, it doesn't mean that you can't buy a house with a bad credit record. It depends on the audit strictness of different banks.

The term of bad credit records recorded in the general system is 5 years, which means that credit can be queried again after 5 years. Even if your previous credit record is not very good, you still have the opportunity to apply for a mortgage loan.

Can I borrow money to buy a house with an overdue credit report?

Too many overdue times are not allowed, but if the credit is overdue only once, you can still borrow money to buy a house, but it depends on the requirements of the bank.

Some banks require that they have no bad records. Whether the overdue records have been settled depends on the regulations of the bank. According to the bank regulations, if the lender fails to pay the loan three or six times in a row within two years, he can't apply for a bank loan. If the borrower only occasionally fails to pay off the arrears in a short time, he can also apply for a loan.

What impact will personal credit information have on housing loans?

1. Credit reporting agencies and banks judge consumers' repayment ability from bank credit according to their behavior patterns, consumption preferences and previous repayment willingness.

2. Within two years, it has been overdue for three consecutive times or refused to pay by the bank for six times.

3. In particular, lenders with good credit information (no overdue) can enjoy the first set of loan interest rate concessions (some banks); If the credit information is not good, the bank will raise interest rates or refuse loans according to the specific circumstances.

4, the total amount of new and old monthly payments shall not exceed 50% of the family's monthly income.

5. Checking personal credit too many times is easy to be rejected; If there are too many inquiry records, and there are no credit card or loan records during this period, the bank will think that the qualification of the credit reporting party is poor, which will affect the future loan application and credit card processing.