Detailed description:

1. Overdue credit card 14 times may have a serious impact on personal credit records, leading to the decline of the borrower's credit rating.

2. Banks usually evaluate borrowers' credit records when approving mortgage loans, and a higher credit score helps to obtain better loan conditions.

3. Due to too many overdue times, the bank may think that the borrower's repayment ability and willingness are risky, so it may refuse to provide mortgage.

Mortgage loan is an important financial transaction, and banks will consider the borrower's credit status more carefully to ensure the safety of the loan.

In some cases, if the borrower can provide additional guarantee or increase the value of collateral, the bank may consider providing a limited loan amount.

Summary:

The number of overdue credit cards reaches 14 times, which will have a negative impact on mortgage processing. Banks usually regard the borrower's credit record as an important reference index to evaluate his repayment ability and credit status. Too many overdue times may be regarded as a risk factor, leading banks to refuse to provide mortgages. When handling mortgage loans, it is very important to maintain a good credit record for obtaining better loan conditions.

Extended data:

-Overdue times: refers to the times when repayment or payment is not made at the time agreed in the contract.

-Credit rating: Banks and financial institutions evaluate and classify borrowers' credit status according to repayment records, liabilities and other factors.

-Collateral: In mortgage loan, collateral refers to the property used by the borrower to guarantee the loan to ensure the fulfillment of repayment obligations. The value of collateral usually affects whether banks are willing to provide loans and the amount of loans.