If three credit cards are overdue for eight times in one or two years, can I still make a mortgage?

if the credit card is overdue for eight times in two years, the application for mortgage will be rejected. Generally speaking, banks will refer to the number of overdue loans in the past two years when approving mortgage loans. Under normal circumstances, if one of the husband and wife fails to repay the loan three times in a row or six times in total, they will not be able to get a loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month and it has not been repaid for three consecutive months; And accumulated six times, such as overdue once, also; Overdue happened again, and it happened six times. Solution: The bank's review cycle is the credit card records within 24 months. If the credit card is still in use and the bad record is beyond 24 months, it may still be possible to apply for a mortgage. The Regulations on Credit Management stipulates that bad records will be displayed on the credit report for five years from the date of bad behavior. In these five years, there should be no stains, and users should use new good records to cover up the previous bad records. Once there is another bad record, it has to be recalculated.

second, did the credit report fail to pay the mortgage for three times?

first, give a positive answer

The user applied for a mortgage, and one of the application conditions was that the credit report was good.

second, the specific analysis

there are overdue records in the credit investigation, which belongs to the tainted credit investigation. In any case, this situation cannot pass the bank audit.

Moreover, when banks check credit information, some banks look at it within two years, while others look at it within five years. If there is a credit information stain, they must wait until the stain is completely eliminated before they can apply for a mortgage.

and the sooner the overdue records are settled, the sooner the records will enter the countdown state of deletion. If the arrears are not settled, the overdue records will remain.

But don't take it lightly that online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect future business such as bank loans and credit cards. Even if the processed online loan can't be credited, it can also access big data. Search: You can check your online loan history, overdue details of online loans, liabilities, untrustworthy information and blacklist of online loans.

third, how to remedy the serious consequences of credit reporting?

although the repayment record of the second-generation credit investigation has been extended to five years, the credit institutions are most concerned about the repayment record within two years. For example, the credit investigation has been overdue for three consecutive times or accumulated for six times, which is a typical credit investigation black household. For those with such credit investigation records, regular credit institutions will refuse to handle business for them.

and there is only one remedy, which is to pay back the overdue debts.

Some people are overdue for a long time and owe too much money, resulting in too much interest. We can negotiate with credit institutions to see if we can reduce some interest and reduce the repayment pressure, and we must pay off the debt as soon as possible regardless of whether we can reduce it or not.

according to common sense, it is best to wait for the overdue records to be completely eliminated after repayment, so it will not have much impact on handling credit business.

In fact, it doesn't take that long. As long as there is no overdue within 2 years after repayment, it is possible to handle the credit business again, provided that the credit institution recognizes the repayment ability.

In general, credit institutions should refer to many factors to judge a person's repayment ability, besides income, they should also look at personal debt ratio and assets.

Therefore, in addition to having a stable job and income, we must also keep personal liabilities low, and those with assets can be displayed, such as various houses and car production certificates.

3. Can I get a mortgage if my credit card is overdue for three times?

1. It's not necessarily impossible to get a loan. The key is how much, how many times, how long and when to return it. 2. The bank has never stipulated how many times a credit card is overdue. 3. Loans are the result of comprehensive evaluation by banks, and credit card records are only part of the reference. 4. As long as you give a good explanation to the bank and provide proof that you have paid off the loan, you can generally borrow it. 5. I suggest you consult the loan handling bank in detail. Generally, there is no problem.

4. Can you get a mortgage if your credit card is overdue for three times?

You can go to the bank first to check the bad records. If you have bad records for more than three times, it will take three years to sell them. There are two situations when you get a phone call from the bank. One is to inform you before the maturity, and the other is that it is overdue, so there is a bad record. Follow-up: The main reason is that the bank account manager has not fulfilled his duties. Follow-up: Now this credit card is as harmful as people! Answer: Let's go to the bank to check first.