You can't. Personal credit with overdue records will have a negative impact on the loan to buy a house. Banks and other financial institutions will evaluate the applicant's credit status when considering loans, including whether there is any overdue record. Overdue records show that borrowers fail to repay their debts on time, which is considered as a sign of bad credit and may lead to rejection of loan applications or higher interest rates.

1. Personal credit records are an important basis for financial institutions to evaluate the credit status of borrowers.

2. Overdue records show that the borrower fails to repay the loan on time, which is regarded as a sign of bad credit.

3. Buying a house with a loan requires a high credit rating, and overdue records will reduce the borrower's credit rating.

Banks may refuse to provide loans to borrowers with bad credit, or offer higher interest rates and strict conditions.

It takes time to establish a good credit record. Paying off debts in time and avoiding overdue can improve personal credit status.

Summary: Personal credit with overdue records will have a negative impact on housing loans, which may lead to rejection of loan applications or unfavorable conditions. It is suggested to repay the loan in time to avoid overdue, so as to maintain a good credit record.

Extended data:

The influence of personal credit record on buying a house by loan is universally applicable. In China, banks usually assess the credit risk of borrowers through personal credit reports and other relevant information. Overdue records are considered as a sign of bad credit and may hinder loan applications. Therefore, maintaining a good credit record is very important for housing loans.