Credit card overdue for less than three months twice has a certain impact on the mortgage, and overdue for more than 60 days will be recorded in the personal credit information system.

Loan procedures:

First of all, go to the bank to understand the relevant situation;

Apply for individual housing loan with all relevant materials;

Then accept the bank's audit and determine the loan amount;

Next, you can apply for a loan contract and the bank will apply for insurance;

Handle the registration and notarization of property right mortgage;

The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.