As we all know, overdue credit cards will produce bad credit records. If you have a bad credit record, it will affect the loan to buy a house. Although banks pay more attention to borrowers' personal credit status, they will not collapse. Generally speaking, as long as the overdue situation is not serious, it has not been overdue for three consecutive times in two years, or it has been overdue for six times, you can get a loan.
In this case, you must find a way to remedy it. There are usually three remedies:
Before buying a house with a loan, you should check the credit information to see if there is any bad credit record. If the credit card is overdue, it depends on whether the arrears are settled after it is overdue. If it is not settled, you should pay it back immediately. After the settlement, you should go to the sales department to consult how to get a loan in this case.
If the repayment is overdue and there is no malicious overdue behavior, you can apply to the issuing bank for a "non-malicious overdue certificate" and provide it to the lender. If possible, provide the bank with proof of your repayment ability, such as asset certificate or guarantee in your name.
If the issuing bank says you can apply for a loan, but the down payment ratio will increase or go up, you have to accept it.
The above question is about "Credit card loans overdue, what should I do if the house is not approved". If you remedy according to the above method and the bank still refuses to approve, then I suggest you change to another bank and apply for a loan. Try a few more times and you will succeed.