According to the relevant regulations, the borrower will not be able to obtain bank loans if his credit is overdue for three or six times in two years. In addition, whether you can get a loan depends not only on the borrower's credit information, but also on the borrower's income and repayment ability.

If it is not maliciously overdue, it will not affect the handling of bank loans if the arrears are repaid in time afterwards. However, different banks have different regulations, and the specific circumstances require the borrower to implement them in accordance with the relevant regulations of the bank.

Finally, I want to remind you that personal credit plays a very important role in our life. Therefore, I hope that everyone can develop good personal credit habits in their daily lives to avoid bad credit and affect future mortgage applications.