Generally, the price ranges from 5 to 30.

1. When dealing with bank loans, the bank's credit situation is the borrower's. The bank usually requires two years or three overdue credit, which cannot be six times in total. If it exceeds the limit, it may be difficult to apply for a loan. If there is no evaluation, just look for it. The applicant's bank is generally between 5 and 30.

2. If the applicant's credit report is not serious, the loan that affects the interests of buying a house is not very big, but if serious bad records are found, or even tired of it, the success rate of going to the bank for a loan is three. Even if the loan is successful, the loan amount will be much lower and the interest will be much higher, so it is likely that you will not be able to get a loan.

3. If the mortgage credit card is overdue, the interest rate will fluctuate by 10%. After the monthly amount fluctuates by 10% based on the base interest rate, the interest rate will be recalculated based on the remaining balance of the month and the number of remaining repayment periods. The credit card repayment information will be The credit system of the Central Bank records for 24 months, that is, bad credit records caused by overdue credit card payments will be kept in the credit system for 2 years. If the card is terminated, the corresponding records will no longer be rolled, but will be saved for a long time. Therefore, when a credit card is overdue, it is best not to cancel the credit card immediately after paying off the debt, but to stick to the credit card beyond a certain period.

4. Overdue credit cards will produce bad credit records, which will affect the loan to buy a house. However, it does not mean that overdue loans will be rejected. It mainly depends on the severity of the overdue situation. Generally, if the overdue period is not serious, the bank will approve the loan, but Depending on how much you are overdue, the mortgage interest rate will fluctuate with the benchmark interest rate; the mortgage interest rate will go up by 5 if your credit card is overdue once, by 10 if it is overdue twice, and in some cases it will even go up by 15.

The bank's interest rate floating calculation method is:

Assume that the current annual interest rate is 5.65, and the interest rate fluctuates by 50 when approved by the bank, and the actual annual interest rate is 5.65*(1 50)=8.475. Interest rate is the ratio of interest paid to principal over a period of time, usually expressed as a percentage. The calculation formula is: interest rate = interest amount/principal x times x 100.