1. After the mortgage is overdue, the bank or financial institution will take legal measures, such as suing the debtor and auctioning the property, which may lead to the change of the property ownership.

2. Potential buyers usually conduct background checks on real estate, including checking credit records and loan repayment. If there are overdue records, they may have doubts about buying the property and choose to give up buying it.

3. Housing sales need to complete relevant procedures, including proof of property rights and mortgage inventory. Overdue records may cause banks to suspend these procedures, thus delaying the real estate transaction process.

4. Overdue records will damage personal credit score, and also affect the ability to apply for other loans or credit cards and interest rates in the future.

Summary: Overdue credit will have a serious impact on selling houses, because overdue records may lead to legal disputes, reduce the interest of potential buyers, delay the real estate transaction procedures, and damage personal credit scores. Therefore, timely repayment of loans is the key to ensure the smooth sale of real estate.

Extended data:

According to the relevant laws of our country, banks and financial institutions have the right to take legal measures to recover overdue loans. In addition, the construction of personal credit system in China is becoming more and more perfect, and the influence of personal credit records on housing transactions is becoming more and more important. So it is very important to keep a good credit record when buying a house.