The impact will be a little bit, but it is not a big problem. If your credit card has been overdue and has been paid off in full, you can apply for a mortgage. However, once the overdue situation is recorded on the central bank's credit report, it will remain on the personal credit report for at least five years. Therefore, even though the debt has been paid off, it will still affect the approval of the mortgage. Banks and lending institutions may refuse to approve the loan because of the overdue record on the credit report.

Therefore, everyone must pay attention to maintaining a good credit and pay back credit cards and loans on time. If you cannot guarantee to repay the loan within the repayment period, you can choose to repay it in installments; or you can pay the minimum repayment amount to avoid overdue payments.

After you fail to repay your credit card on time and become overdue, it is recommended not to apply for a mortgage immediately. Pay off the debt first, and then build up your credit. After a period of time, you have built up your credit and have a new good credit record covering the old bad record before you apply for a mortgage.

If you need to apply for a housing loan in a short period of time, it is recommended to provide more proof of asset income; you can find a qualified person to be a guarantee; if you and your husband are taking out the same loan, you can exchange the tax The party with good trust will be the main lender.