The key to buying a house with a loan is your credit history and repayment ability. Even if you have been overdue before, if you have paid it off now and have a good credit history, you may still be able to get a loan to buy a house. Here are the detailed instructions:

1. Establish a good credit history: Keep up with your debt repayments and make sure your credit card bills are paid on time. This will help restore your credit rating and improve your loan application's success rate.

2. Extend the repayment record: After a period of good repayment record, the credit rating can be gradually improved. It is recommended to have no late payment history for at least one year or more.

3. Income and Stability: Lenders usually consider an applicant’s income level and employment stability. Having a stable job and sufficient proof of income can increase the probability of a successful loan application.

4. Savings and down payment: Accumulate a certain amount of savings and prepare sufficient down payment. A larger down payment can reduce the loan amount and increase the approval rate of the loan application.

5. Seek professional help: Contact the bank or loan intermediary to inquire about the loan requirements and conditions to understand the specific requirements and procedures for buying a house with a loan.

Summary: To get a loan to buy a house, you first need to establish a good credit record and ensure excellent repayment ability. In addition, stable income, sufficient savings and a down payment are also important factors. If you meet the above conditions and seek professional help, you may be able to successfully apply for a loan to buy a house even if you have been overdue before.

Extended information: In addition to the factors mentioned above, there are other factors that may affect the results of buying a house with a loan, such as personal debt level, employment stability, housing prices and loan interest rates, etc. Before applying for a loan, it is recommended to carefully evaluate your financial situation and understand the local property market and loan policies.