You can get a loan to buy a house. However, being overdue on your credit card eight times may have a certain impact on your loan application. The following points will be explained in detail:

1. The importance of credit record: When banks review loan applications, they usually pay attention to the applicant's credit record. Credit history is an important indicator for evaluating a person's credit status and repayment ability.

2. The impact of overdue status on loan applications: Overdue records will be recorded in the credit report and have a negative impact on credit scores and credit ratings. When banks review loan applications, they may have doubts about past repayment abilities, reducing the likelihood of loan approval.

3. Evaluation of influencing factors: In addition to overdue records, banks will also comprehensively consider other factors of loan applicants, such as income status, debt burden, guarantor, etc. If other factors perform well, they may help offset the negative impact of late records on the application.

To sum up, although being overdue on your credit card eight times may have a certain negative impact on your loan application, it does not mean that you cannot get a loan to buy a house. Banks consider a number of factors when evaluating a loan application, including factors other than credit history. Therefore, applicants can increase the chances of a successful loan application by demonstrating a stable source of income, a low debt load, and providing a guarantor.

Extended information: Banks usually use personal credit reports to understand the applicant's credit record when approving loans. The credit report will display information such as the number of overdue records, overdue amount, and overdue duration. The more delinquencies you have, the lower your credit score will tend to be. Therefore, if a credit card is overdue 8 times, although the overdue amount has been paid off, these overdue records will still be displayed in the credit report. Banks will refer to the credit report when reviewing loan applications and determine whether to approve the loan based on the overall credit status of the applicant.

To sum up, although being overdue on your credit card eight times will have a certain impact on your loan application, it does not mean that you cannot get a loan to buy a house. Applicants can increase their chances of success by demonstrating a stable source of income, a low debt burden, and providing a guarantor. Banks take a variety of factors into consideration when reviewing loan applications, so loan approval is still a possibility if everything else looks good.