It will affect your loan.

When approving loans, banks will refer to the number of overdue loans in the past two years. Usually, if one of the spouses is overdue for three times in a row or six times in total within two years,

According to the degree of overdue credit, it can be roughly divided into the following categories.

1. Only one or two credit cards have expired.

Such banks generally do not refuse to lend, which is the first case mentioned above.

Buy a house bank, because if the mortgage interest rate of real estate cooperative banks is favorable, some banks can enjoy preferential treatment when applying for loans.

2. The credit card is overdue for three consecutive times or six times in two years.

When making a mortgage, you will refer to the number of overdue loans in the past two years. Under normal circumstances, if one of the spouses is overdue for three times within two years, it will be impossible to get a loan. It should be pointed out that even the repayment period of a sum of money is six times a month, for example, it is overdue once; The overdue happened again, and it happened six times.

Extended data

How to control loans overdue?

First of all, the customer qualification is preliminarily examined by the review post.

As the first line of defense for loan risk, the review post should focus on whether the application materials submitted by the applicant are complete, whether the contents meet the requirements of relevant banking business and whether there are bad credit records; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete and the calculation of key financial indicators is accurate.

The members of the loan review committee can be the second line of defense against loan risks by the post of business supervisor, post-loan management post and battalion of tier-one branches with certain experience. The quality of the loan review meeting will directly affect the risk and quantity in loans overdue. Therefore, the members of the Credit Audit Committee should fully grasp the information of the investigation report in advance and grasp the main risks.