Generally speaking, one overdue credit card will not affect the mortgage. If the cardholder is unintentional, and the arrears are paid back as soon as possible after the overdue, you can find the issuing bank to explain the situation and request to issue a "non-malicious overdue certificate". With this certificate, even if the cardholder has an overdue record, it will not be affected to apply for a mortgage.

in addition, the bank has opened a time-sensitive repayment function for credit card users, and the repayment made by the cardholder within three days after the latest repayment date can be counted as timely repayment, and the overdue will not be recorded in the personal credit record. If the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank and apply for cancellation of the overdue record. It is also feasible, provided that the amount is not too large.

if the cardholder's credit card is overdue for more than three days, but it is not serious, and it does not reach the level of "three consecutive months or six overdue times", and the overdue amount is not large and it is returned within a short time, it will not have much impact on the mortgage. However, the loan interest rate will be raised or the approved loan amount will be lowered.

the longer the credit card is overdue and the greater the overdue amount, the greater the impact on the application for mortgage. Generally, if the credit card is overdue for more than 9 days, the bank will consider that the cardholder is maliciously overdue, and then apply for a loan, which is very likely to be directly rejected. If the cardholder is overdue for three consecutive times or six times in two years, he will not be able to get a mortgage loan.

Extended information:

Mortgage is divided into:

1. Housing loan

Personal housing loan refers to a loan granted by a bank to a borrower for purchasing an ordinary house for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loans

Personal housing entrusted loans refer to loans granted by banks to individuals who purchase ordinary housing according to the specified requirements, with housing provident fund deposits as the source of funds. Also known as provident fund loans.

2. Self-operated loans

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called personal housing loans, and Industrial and Commercial Bank and Agricultural Bank are called personal housing secured loans.

2. Portfolio loan

Portfolio loan of individual housing refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for purchasing ordinary housing for personal use, which is a combination of entrusted loans of individual housing and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Baidu encyclopedia-mortgage