Yes, an overdue credit card will not directly affect your qualifications for a loan to buy a house. The following is a detailed explanation:

1. Overdue credit cards do not directly affect the qualifications for a loan to buy a house. Even if you have a credit card that is past due, it is still possible to get a loan to buy a home.

2. When approving a loan, the bank mainly considers the applicant's repayment ability, credit record and income. An overdue credit card is a sign of bad credit history, but it is not the only criterion.

a. Repayment ability: The bank focuses on your cash flow, that is, you have enough income to repay the monthly mortgage loan. If you have a steady job income, the impact of an overdue credit card will be relatively small.

b. Credit record: The bank will comprehensively consider your credit record, including credit card overdue records. If you have an otherwise good credit history, the impact of an overdue credit card will be relatively small.

c. Income: Banks focus on your income level to determine the risk you can bear for a loan. If your income can cover your monthly mortgage payments and you have a relatively high borrowing capacity, the impact of an overdue credit card will be lessened.

3. Summary: Overdue credit cards will not directly affect your qualifications for a loan to buy a house. Banks consider multiple factors when approving loans, including the applicant's repayment ability, credit history and income.

Extended information:

Although an overdue credit card will not directly affect your qualifications for a loan to buy a house, the bank will still investigate your credit record during your loan application process. Therefore, it is recommended that you actively pay off overdue credit card balances and improve your personal credit history.

In addition, it is important to note that each bank's approval standards are slightly different, and specific loan results will still vary depending on the bank's policies and specific circumstances. Therefore, before applying for a loan, it is best to consult with the bank's professional loan consultant to understand the specific requirements and conditions.

In short, although an overdue credit card will not directly affect your qualifications for a loan to buy a house, it is still recommended that you maintain a good credit record, actively pay off overdue debts, and ensure a stable job income and a healthy salary. cash flow. This can increase the success rate of loan approval and obtain better loan conditions.