When approving mortgage loans, banks will refer to the number of overdue loans of individuals in the past two years. Under normal circumstances, it will be difficult for a couple to get a loan if they repay three times in a row or six times in two years.

According to the degree of overdue credit, it can be roughly divided into the following two situations:

1. Only one or two credit cards have expired.

Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first case mentioned above.

Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential treatment when applying for loans in some banks, so choose the one with the lowest interest rate.

2. The credit card is overdue for three consecutive times or six times in two years.

Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.

If the cardholder forgets to repay, apply for timely repayment. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline. When the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank to apply for cancellation of the overdue record. It is also feasible, provided that the quantity is not too large. Usually, bad credit records will be retained by the central bank's credit information center for 5 years, and will be deleted after 5 years. But once the credit stain happens, even if it is unintentional, it can't be eliminated within five years, so pay attention to your credit record.