1. Does the overdue credit record have an impact on the mortgage?

Although banks value the borrower's personal credit, it is not impossible to apply for a mortgage if there is a credit "stain". The specific ability to lend depends on the overdue situation.

There are two kinds of influences on the cardholder's application for mortgage:

1. The mortgage interest rate will be raised or the loan percentage will be reduced

If the cardholder has one or two overdue credit cards and the overdue amount is not large enough to be returned within a short time, the bank will still issue loans, but the loan interest rate will be raised or the approved loan amount will be lowered.

2. The mortgage application is rejected

If the cardholder fails to repay the loan three times in a row or six times in total within two years, he will not get the mortgage loan.

the repayment period of the credit card bill is one month, and if it is not paid for three consecutive months, it means three consecutive overdue payments; If the credit card bill is overdue once, and then it is overdue again, so counting six times is a total of six overdue repayments.

Therefore, when the debt cannot be repaid, the cardholder can take the following measures:

1. The cardholder forgets to repay and applies for timely repayment.

Time-sensitive repayment refers to the cardholder's repayment within three days after the latest repayment date, which can be counted as timely repayment, and no overdue will be recorded in the personal credit record.

2. If 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.

3. Don't cancel your credit card if it is overdue. Usually, the bank will look at the repayment records in the past two years when approving cards and loans. If the cardholder can continue to use the card after the expiration date, it will have little impact on the mortgage application after two years.

second, can I apply for a mortgage if the credit report is overdue for one month?

There have been overdue records in the credit report. More overdue records or recent overdue records will affect the housing loan. The general bank's credit request for loan applicants is that it cannot be overdue at present, and it cannot be overdue twice in the past six months, three times in a row in two years, and six times in total. If it is just a careless overdue, it will have little impact. Non-personal overdue can issue a non-malicious overdue certificate and then apply for a loan. Malicious overdue includes:

1. The business is entrusted by a third party, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue. For example, automobile dealers handle automobile consumption loan business, mortgage business handled by real estate developers, repayment by agents and other third-party agents, etc., and the repayment is overdue due to third-party reasons, such as diverting the money for other purposes.

2. After buying a house with a personal loan, the developer returned the personal down payment due to various reasons, but the loan was not settled in time, which caused the overdue.

3. The individual sells the mortgaged house, but fails to refinance it, and the overdue caused by the buyer's failure to repay on time is still recorded in his own name.

4. The unit fails to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time. Note: In case of overdue in the above four cases, if the bank does not agree to issue a non-malicious overdue certificate, it can report to the party that caused bad credit. If the judicial department decides that it is not its own responsibility, it may require the relevant financial department to modify the credit information.

5. Because individuals don't understand the provisions of the repayment date of the bank, or the bank staff didn't clearly inform the repayment date, or the bank didn't inform individuals when the loan interest rate was adjusted or the repayment date was changed, individuals didn't repay in time as agreed in the contract, resulting in overdue records in personal credit reports. Note: In the above situation, it is usually stipulated in the loan contract that the bank will not notify the interest rate adjustment, so such overdue is still my responsibility, and it is difficult to issue a non-malicious overdue certificate.

6. The credit card has not been received or the credit card has not been activated, but the annual fee has been incurred, resulting in overdue.

7. The overdue record is caused by the failure to repay the goods on time due to disputes with the merchants or banks that sell the goods.

3. Does one overdue credit card affect the mortgage?

Generally speaking, one overdue credit card will not affect the mortgage. If the cardholder is unintentional, and the arrears are paid back as soon as possible after the overdue, you can find the issuing bank to explain the situation and request to issue a "non-malicious overdue certificate". With this certificate, even if the cardholder has an overdue record, it will not be affected to apply for a mortgage.

in addition, the bank has opened a time-sensitive repayment function for credit card users, and the repayment made by the cardholder within three days after the latest repayment date can be counted as timely repayment, and the overdue will not be recorded in the personal credit record. If the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank and apply for cancellation of the overdue record. It is also feasible, provided that the amount is not too large.

if the cardholder's credit card is overdue for more than three days, but it is not serious, and it does not reach the level of "three consecutive months or six overdue times", and the overdue amount is not large and it is returned within a short time, it will not have much impact on the mortgage. However, the loan interest rate will be raised or the approved loan amount will be lowered.

the longer the credit card is overdue and the greater the overdue amount, the greater the impact on the application for mortgage. Generally, if the credit card is overdue for more than 9 days, the bank will consider that the cardholder is maliciously overdue, and then apply for a loan, which is very likely to be directly rejected. If the cardholder is overdue for three consecutive times or six times in two years, he will not be able to get a mortgage loan.

Extended information:

Mortgage is divided into:

1. Housing loan

Personal housing loan refers to a loan granted by a bank to a borrower for purchasing an ordinary house for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loans

Personal housing entrusted loans refer to loans granted by banks to individuals who purchase ordinary housing according to the specified requirements, with housing provident fund deposits as the source of funds. Also known as provident fund loans.

2. Self-operated loans

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called personal housing loans, and Industrial and Commercial Bank and Agricultural Bank are called personal housing secured loans.

2. Portfolio loan

Portfolio loan of individual housing refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for purchasing ordinary housing for personal use, which is a combination of entrusted loans of individual housing and self-operated loans. In addition, there are housing savings loans and mortgage loans.