It will have an impact. Overdue credit card records will affect your credit report, and home purchase loans will review your credit report, so late repayments will generally affect your mortgage loan.

If an individual has a bad loan record, it will remain on the credit report for no more than 5 years from the end of the bad behavior or event.

If the cardholder forgets to repay the card, he or she can apply for timely repayment. On-time repayment refers to the cardholder's repayment within three days of the latest repayment date, which can be counted as on-time repayment, and overdue payments will not be recorded in personal credit records. If the cardholder repays the loan after the bank's grace period, he should immediately submit a "non-malicious overdue certificate" to the bank and apply to cancel the overdue record. It is also feasible, provided that the amount cannot be too large.

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A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

1. When approving a loan, the bank will refer to the number of overdue payments of an individual in the past two years

Usually, if a spouse has three consecutive overdue repayments within two years, or a total of six overdue repayments, It will be difficult to get another loan.

2. 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 refuse a loan, but it may appropriately increase the loan interest rate, 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. The credit card has been overdue three times in a row or six times in total within two years.

Generally speaking, banks will refer to the number of overdue payments of an individual in the past two years when approving a mortgage. Generally speaking, if a spouse has three consecutive overdue repayments within two years, or a total of six overdue repayments, they will not be eligible. 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 repaid; it is overdue again, so Happened six times.