If the overdue credit card repayment has caused bad credit problems, it will have an impact on the loan to buy a house. If the credit card is seriously overdue, causing credit problems, it will not meet the loan conditions.

According to Article 5 of the "Personal Housing Loan Management Measures", the borrower must meet the following conditions at the same time:

1. Have a permanent urban residence or valid residence status;

2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan;

3. Have a contract or agreement to purchase a house;

4. No housing subsidy No less than 30% of the total price of the house purchased should be used as the down payment for the house purchase; if there is a housing subsidy, 30% of the personal share should be used as the down payment for the house purchase;

5. Approved by the lender assets as mortgage or pledge, or an entity or individual with sufficient repayment capacity as a guarantor;

6. Other conditions stipulated by the lender.

Extended information:

Article 35 of the "Measures for the Administration of Personal Housing Loans" If the borrower has any of the following circumstances, the lender shall apply in accordance with the relevant provisions of the "General Rules for Loans" of the People's Bank of China The regulations stipulate that the borrower shall be held liable for breach of contract:

1. The borrower fails to repay the principal and interest of the loan on time; 2. The borrower provides false documents or information, which has caused or may cause loan losses.

3. Without the consent of the lender, the borrower will demolish, sell, transfer, donate or repeatedly mortgage the property or rights with mortgage or pledge rights;

4 . The borrower changes the purpose of the loan without authorization and misappropriates the loan;

5. The borrower refuses or obstructs the lender from supervising and inspecting the use of the loan;

6. The borrower and other parties A legal person or economic organization signs a contract or agreement that damages the rights and interests of the lender;

7. The guarantor violates the guarantee contract or loses the ability to bear joint liability, the collateral is damaged due to accident and is insufficient to repay the principal and interest of the loan, and the pledge is obvious The reduction affects the lender's realization of the pledge, but the borrower fails to implement new guarantees or new mortgages (pledges) as required.

Baidu Encyclopedia - Personal Housing Loan Management Measures