It will not affect the installment payment for house purchase. Even if your credit card has an overdue record, as long as it has been paid off in one lump sum, it will not have a direct impact on the installment payment for the house purchase.

Details:

1. First of all, home purchase installments are usually loans provided by real estate developers or financial institutions and are not directly related to personal credit cards.

2. Paying off your overdue credit card balance in one lump sum shows that you have solved past payment problems, which can help restore your credit history and ultimately improve your credit rating.

3. When purchasing a house in installments, banks or financial institutions pay more attention to the overall situation of the applicant's income status, debt burden and credit history, rather than just paying attention to past credit card overdues.

4. If your other credit record is good, such as no other overdue payments, loan repayments on time, etc., banks or financial institutions will be more willing to approve installment payments for home purchases.

5. Of course, each case is unique, and a bank or financial institution may consider multiple factors to make a decision when reviewing a loan application.

Summary:

After the credit card is paid off overdue, it will have no direct impact on the installment payment of the house purchase. A bank or financial institution will evaluate your home purchase installment application based on factors such as income status, debt burden, and overall credit history.

Extended information: