It has an impact.

Banks will refer to an individual’s number of overdue payments in the past two years when approving loans. Under normal circumstances, if a spouse has overdue repayments three times in a row within two years, or a cumulative six overdue repayments, it will be difficult to obtain another loan.

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

1. Only one or two credit card overdues

This kind of bank will generally not The loan is refused, but the loan interest rate may be appropriately raised, which is the first situation mentioned above.

Home buyers can ask several banks, because if the housing loan interest rate of the cooperative bank for the real estate is preferential, you can enjoy preferential treatment when applying for a loan at some banks. Just choose the one with the lowest interest rate.

2. Credit card overdue three times in a row or six times in total within two years

Generally speaking, banks will refer to an individual’s overdue number of times in the past two years when approving a mortgage. If one spouse makes three consecutive late payments within two years, or a cumulative six consecutive late payments, they will not be able to obtain a loan.

It should be pointed out that the meaning of three consecutive overdue repayments is that, for example, the repayment period of a fund is one month and it has not been repaid for three consecutive months; and a total of six times, for example, it is overdue once and it has been repaid. ; Overdue occurred again, this happened six times. Extended information

Avoid credit card overdue:

1. Bind automatic repayment for more peace of mind. Cardholders can bind the debit card of the issuing bank of the credit card through the counter, online banking, mobile software, etc. (Why bind it to the bank, because the bank generally charges for inter-bank transfers), and set it on the due repayment date. About 3 days in advance (3 days in advance is to avoid not being able to arrive in time), the repayment will be automatic.

2. It is more secure to use the APP to manage credit cards.

3. It should be noted that there must be a sufficient balance in the debit card. In addition, if there is a withdrawal during the account period, cardholders must remember to make additional payments in addition to the automatic repayment. And some more.

4. "Tolerance overdue" refers to the cardholder's current bill repayment shortfall, and when the outstanding amount in the account does not exceed the balance stipulated by the bank after the repayment date, the cardholder can It is considered that the cardholder has paid off the card in full, and the outstanding amount will be automatically transferred to the next bill. This situation will not be regarded as a bad credit report.

Baidu Encyclopedia-Overdue Repayment