I paid the down payment for buying a house with my husband this year, but when I applied for a loan from the Agricultural Bank of China, I found that my credit card was overdue for four times. Can you still handle it? Don't listen to the little girl in the bank, and don't listen to the upstairs to scare you. There is always a way to solve the problem:

My credit card is also overdue for 23 periods, and now I have borrowed money to buy a house.

1, it will be much easier to pay off the overdue card as long as it is paid off.

Judging from the income, your husband's income is more than twice the monthly payment, which shows that he has sufficient repayment ability. In addition to considering credit records, banks also pay more attention to repayment ability.

3. It will be helpful to write a higher income on the income certificate of the housing unit. Provide more bank cards in your husband's name, even if the details of credit cards are flowing, it can also play a very good role. Generally speaking, it is better to pay more than 2 times the monthly fee, and the income certificate should be more than 2.5 times the monthly fee.

In your case, the bank has handled more than n times, don't worry.