Specifically, the following is the explanation of the impact:

1. Credit records: When approving mortgage loans, banks will check the applicant's credit records, including the repayment of credit cards. Due to overdue repayment, your credit history may be negatively affected. Banks may have doubts about your credit status, which makes it more difficult to approve mortgage loans.

2. credit score: overdue repayment of credit cards will lead to a decline in credit score. Credit score is an important indicator when banks consider whether to give loans. If your credit score is low, the bank may have reservations about your mortgage loan application or ask you to provide more guarantee measures.

3. Debt burden: Credit card overdraft and overdue repayment may increase your debt burden. When banks approve mortgage loans, they will consider your repayment ability. If you already have a large debt burden, the bank may think that your repayment ability is insufficient and refuse the mortgage loan application.

to sum up, the overdue repayment of credit cards will have a certain impact on mortgage loans. If you can improve your credit record, improve your credit score and prove that you have enough repayment ability before buying a house, the approval of mortgage loan may be smoother.

Supplementary note:

For the lack of sufficient information, we assume that the income and other debt status of the applicant have not changed seriously, and the mortgage loan is approved by a bank in China. Applicants are also requested to consult relevant banks according to their actual conditions and understand the latest policies and requirements.

The above is the answer about the influence of overdue credit card repayment on mortgage loans. I hope it will help you.