There is an overdue record of credit investigation, which has an impact on the application for housing loans. Generally, applying for a housing loan requires that the borrower is not overdue at present, twice within half a year, three times in a row within two years, and six times in total. If it is not maliciously overdue, the arrears will be paid in time, which will have little impact on the application for housing loans. However, it is difficult to apply for a loan if it is maliciously overdue.

Personal credit information system, also called consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services.

The person in charge of the business management department of the People's Bank of China, which is in charge of the personal credit information system, concluded that a "credit file" (that is, a personal credit report) should be established for everyone by a specialized agency, and then provided to banks, data subjects themselves, financial regulatory agencies, judicial departments and other government agencies for use.

Will the overdue credit card affect the mortgage?

If the credit card overdue repayment has caused bad credit problems, it will have an impact on the loan to buy a house. If the overdue credit card causes serious credit problems, it does not meet the loan conditions.

According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower shall meet the following conditions at the same time:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

Extended data:

"Measures for the Administration of Individual Housing Loans" Article 35 If the borrower is under any of the following circumstances, the lender shall investigate the borrower's liability for breach of contract in accordance with the relevant provisions of the General Rules for Loans of the People's Bank of China:

1. The borrower fails to repay the loan principal and interest on schedule;

Two, the borrower provides false documents or information, which has caused or may cause loan losses;

3. Without the consent of the lender, the borrower mortgages or pledges, sells, transfers, donates or repeatedly mortgages the property or rights;

4. The borrower arbitrarily changes the purpose of the loan and misappropriates the loan;

Five, the borrower refuses or obstructs the lender to supervise and inspect the use of the loan;

Six, the borrower and other legal persons or economic organizations signed a contract or agreement that is detrimental to the rights and interests of the lender;

Seven. The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral is not enough to pay off the principal and interest of the loan due to accidental damage, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new mortgage (pledge) as required.