Overdue credit cards will affect the loan to buy a house. Late credit card payments can lead to a decline in your personal credit rating, which in turn affects the approval of your home loan application. Here are the details:

1. Credit Rating: Banks and other financial institutions often evaluate an individual's credit profile to determine their ability to repay a loan on time. Late credit card payments are considered bad credit behavior and can result in a lower credit rating.

2. Loan approval: When applying for a home purchase loan, the bank or lending institution will review the borrower's credit record. Late credit card payments can leave a negative record on your credit report, which will directly affect your loan approval.

3. Interest rates and terms: Even if a loan application is approved, late credit card payments may result in the borrower receiving higher interest rates or unfavorable loan terms. Banks may view the risk of late payments as higher and raise loan rates or require more collateral.

To sum up, overdue credit cards will have a negative impact on loan purchases. Late credit card payments can lower a person's credit rating, make it harder to get a loan application approved, and can result in high interest rates or unfavorable loan terms. Therefore, timely repayment of credit card payments is crucial to maintaining a good credit record and successfully purchasing a home.

Extended information: According to China’s personal credit reporting system, overdue credit card payments will usually leave records on personal credit reports. This information is consulted and evaluated by financial institutions and plays an important role in the loan approval process. Banks and other lending institutions will assess a borrower's repayment ability and risk level based on an individual's credit profile. Therefore, maintaining a good credit history is crucial to successfully obtaining a loan and purchasing a home.