My CCB credit card was accidentally overdue once, for 10 days. I have never had any overdue or bad records before, so it will generally not have any impact on my future house purchase loans.

1. When approving a loan, the bank will refer to the number of overdue payments of an individual in the past two years

Usually, if a spouse has three consecutive overdue repayments within two years, or a total of six overdue repayments, It will be difficult to get another loan.

2. According to the degree of credit overdue, it can be roughly divided into the following two situations:

1. The credit card is only overdue once or twice.

This kind of bank will generally not refuse a loan, but it may appropriately increase the loan interest rate, which is the first situation mentioned above.

Home buyers can ask several banks, because if the housing loan interest rate of the cooperative bank for the real estate is preferential, you can enjoy preferential treatment when applying for a loan at some banks. Just choose the one with the lowest interest rate.

2. The credit card has been overdue three times in a row or six times in total within two years.

Generally speaking, banks will refer to the number of overdue payments of an individual in the past two years when approving a mortgage. Generally speaking, if a spouse has three consecutive overdue repayments within two years, or a total of six overdue repayments, they will not be eligible. loan. It should be pointed out that the meaning of three consecutive overdue repayments is that, for example, the repayment period of a fund is one month, and it has not been repaid for three consecutive months; and a total of six times, for example, it is overdue once and repaid; it is overdue again, so Happened six times.

3. Overdue credit card records will affect your credit report

House purchase loans will review your credit report, and late repayments will generally affect your mortgage loan. If an individual has a bad loan record, it will remain on the credit report for no more than 5 years from the date the bad behavior or event ends.

If the cardholder forgets to repay the card, he or she can apply for timely repayment. On-time repayment refers to the cardholder's repayment within three days of the latest repayment date, which can be counted as on-time repayment, and overdue payments will not be recorded in personal credit records. If the cardholder repays the loan after the bank's grace period, he should immediately submit a "non-malicious overdue certificate" to the bank and apply to cancel the overdue record. It is also feasible, provided that the amount cannot be too large.