1. Credit card overdue record: It has been many years since the overdue record was generated on 20 12, and its impact on credit status has been reduced. Banks will comprehensively consider various factors when approving mortgages, and overdue records are only one of them.
2. Property status: owning a car purchased in full at a price of100000 or more, with strong assets. This can increase the probability of successful mortgage application, because the bank will consider whether the applicant has enough funds to repay.
3. Comprehensive consideration: banks will consider many factors when approving mortgage loans, such as credit history, income status and asset status. Although there have been overdue records, combined with factors such as property status, the probability of applying for a mortgage can be improved.
To sum up, although there is a record of overdue for more than 90 days, considering the past few years and the real estate situation, you still have the opportunity to apply for a mortgage. However, the specific results still need to be determined according to the bank's approval policy and personal situation. It is recommended to consult relevant banks and submit an application for detailed information.
Extended data:
Banks usually consider multiple factors when approving mortgage loans, including credit history, income, job stability, property status and so on. The approval policy of each bank will be different, so the specific mortgage application results need to be determined according to the requirements of different banks. If you have a good credit record, a stable source of income and sufficient repayment ability, even if you have overdue records, the success rate of applying for a mortgage is still high.
In short, you can try to apply for a mortgage according to your personal situation, but the specific result needs to be decided according to the bank's approval policy and your personal credit status. It is recommended to consult the bank for accurate information and guidance. I wish you a smooth application and an early realization of the house purchase plan!