If you want to get a loan to buy a house if your credit card is overdue, you need to restore a good credit record after the credit card is overdue for more than 6 months under normal circumstances to have a chance.

The details are as follows:

1. The impact of overdue credit cards on the purchase of real estate: Overdue credit cards will have a negative impact on an individual’s credit record. Banks and financial institutions usually The borrower's credit history will be taken into consideration. The more serious the credit card overdue is, the greater the impact on the purchase of a home will be.

2. The impact of overdue time: Generally speaking, banks and financial institutions have stricter requirements on overdue time. The success rate of applying for a loan to buy a house before it is six months overdue is relatively low. Therefore, if your credit card is overdue for more than 6 months, even if your credit record is restored to a good level, your ability to obtain a loan to purchase a house will still be affected to a certain extent.

3. Restore a good credit record: If a credit card is overdue for more than 6 months, but a good credit record is restored later, banks and financial institutions may be more inclined to consider the recent credit status when approving loans. . If you can repay your loan on time and maintain a good credit record for a long time, your chances of successfully applying for a loan to buy a house will increase accordingly.

Summary: Overdue credit cards have a certain impact on loan purchases. Generally speaking, meeting the following conditions can increase the chance of successfully applying for a loan to buy a house: the overdue period does not exceed 6 months, the credit record is restored in good condition, and the good credit record is maintained for a long time.

Extended information: In addition to credit history, loan house purchase may also be affected by other factors, such as personal income status, job stability, down payment ratio for house purchase, etc. Banks and financial institutions comprehensively evaluate these factors when approving loans. Therefore, after overdue repayment, it is recommended to strengthen communication with the bank at the same time, provide appropriate personal information and relevant supporting documents, and take into account other influencing factors to improve the chances of purchasing a house with a loan.

Supplementary information: The above answers are based on general circumstances. If the questioner has other special circumstances, such as having a special cooperative relationship with the bank or providing guarantee, etc., it may affect the result of loan approval.