Yes, but the conditions must be met.

1. If the credit card fails to repay the loan for two consecutive months, and the overdue amount is not large, it will be repaid soon afterwards, and the bank background will check the repayment situation with the card, and the bank will make a judgment. After the audit, the mortgage should still be possible.

2. The following conditions affect the bad credit reporting of loans

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly mortgage payment is overdue for 2 to 3 months or not repaid.

3. The monthly car loan payment is overdue for 2 to 3 months or not repaid.

4. If the loan interest rate is raised, the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. If you don't use the "Sleep Credit Card" after activation, you will also have an annual fee. If you don't pay it, you will have a negative credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Personal credit card appears tx

behavior.

9. The student loan is not repaid in arrears.

1. The mobile phone charge is linked to the bank card charge. After the mobile phone is stopped, the relevant procedures are not handled, and it is overdue due to the lack of monthly fee.

11、? The credit card arrears record is generated by someone else using the ID card or a copy of the ID card.

Extended information:

Effective credit information includes four parts:

1. Basic information of users, such as name, birthplace, occupation, income, education and address;

2. Financial and lending information, including student loans, car loans, mortgage loans and credit card repayment records;

3. What are the frequency grades of consumption information, including shopping malls and online consumption information?

4. information of the public, whether there is a court decision, whether there is tax evasion, whether there is a record of bus and subway fare evasion, etc. Can I make a mortgage if I owe 1 thousand on my credit card?

No! It is required to settle the credit card arrears before applying for a mortgage. Therefore, if you owe the bank 1, yuan, it is very likely that the mortgage approval will not pass. If your credit card is not overdue, you can apply. I suggest you pay off the loan as soon as possible.

: A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards. Can a credit card owe 1, yuan to buy a house with a loan?

If the user meets the application conditions for a mortgage and passes the mortgage review, he can still borrow to buy a house even if there is a bank debt of 1, yuan. The user does not meet the conditions for applying for a mortgage, or meets the conditions but fails to pass the audit. At this time, no matter whether he owes the bank 1, yuan, the user cannot borrow money to buy a house. The key point of buying a house by loan is to meet the application conditions of mortgage and pass the examination. As for personal debt, it will not have a great impact on mortgage.

1. What will the bank check when applying for a mortgage?

The bank will investigate the applicant first. The applicant's identity card and household registration, if the user members and immediate family members participate in the loan, the bank should also check the identity card and household registration book. If the spouse does not participate in the loan in the same account, a marriage certificate is also required. If the applicant asks for a provident fund loan, he should provide proof of paying the provident fund on time. In the investigation of applicants, the most important thing is whether the applicants have the financial repayment ability. When determining the loan period, we sometimes have to consider the working years. If there are five years left before the statutory retirement period and the period for applying for provident fund loans is 1 years, it is unlikely that the bank will approve it.

the investigation of the applicant also includes the purchase contract or agreement signed with the real estate agent, and there must be proof of payment for the purchase. Secondly, the investigation of real estate agents.

Second, the conditions for applying for a mortgage

1. A China citizen who has a fixed residence, a permanent residence or a valid residence certificate, is under 65 years old and has full civil capacity at the place where the loan bank is located;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. It can provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose complies with relevant regulations;

6. Open a personal settlement account in the bank;

7. Other conditions stipulated by the bank.

how much will 7, loans be paid in 2 years?

7, loans will be paid in 2 years. Generally speaking, they can only be mortgage loans. Taking the benchmark interest rate of the first home commercial loan as 4.9% and the implementation benchmark of the provident fund interest rate as an example, the different repayment methods are as follows: 1. Commercial loans: 4771.83 yuan for equal principal and interest, 66.83 yuan for the first month in average capital, and thereafter.

2. provident fund loan: the monthly payment of the equal principal and interest is 3,97.37 yuan, and the monthly payment in average capital is 4,812.5 yuan, and the monthly repayment will decrease by about 8 yuan. Can you still get a car loan with a credit card debt of 1, yuan?

If the credit card debt is 1, yuan, you can apply normally, but it will affect the amount of car loan application.

different banks have different efforts to examine the loan submitted by loan applicants, and each bank has different credit lines at different times.

Therefore, if there are one or two overdue repayments in the credit record, you can try to apply to foreign banks or some commercial banks. If the bank has a credit line at this time, it will often understand the credit information in the credit record and give the loan approval.

If there is a serious overdue repayment, it is impossible to apply for a car loan successfully, and the applicant needs to maintain his credit record. On weekdays, we should pay attention to develop good consumption habits and repayment habits. For credit card repayment and water, electricity and coal payment, we should pay attention to the repayment period, ensure that each payment and credit card repayment are made on time, avoid further overdue, and re-establish personal trustworthy records.

if a credit card is overdue, it will have a certain impact on the applicant's loan. Whether the application is successful or not shall be subject to the bank's audit results.

note: the regulations on the administration of credit reporting industry stipulates that the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

mortgage application materials:

1. The borrower's valid ID card and household registration book;

2. proof of marital status, unmarried persons need to provide an unmarried certificate, and divorced persons need to provide a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. the borrower's income certificate (the salary income certificate or tax payment certificate for half a year);

5. Property title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. are required).

Consequences of overdue credit card:

1. Liquidated damages, usually the minimum repayment amount, 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

There are the following ways to increase the bank credit card limit:

1. Provide sufficient financial proof when applying for the card. When applying for a credit card, provide as many financial proofs as possible, such as proof of income, proof of bank deposit, proof of real estate, proof of vehicle production, etc. The bank will evaluate the assets of the cardholder according to these proofs.

If the cardholder has deposits in China Construction Bank or is a civil servant, it will also help the cardholder to obtain good credit, and it will also be helpful for a higher credit limit under approval;

2. Spend as much as possible by credit card. The bank will make a comprehensive evaluation based on the customer's past card use. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption, supermarket shopping, etc., and spend as much as possible in physical stores. The bank credit card center will adjust the quota according to the cardholder's utilization rate of credit cards and repayment records;

3. Ensure a good repayment record. After using the bank credit card to spend money, you should ensure that you repay on time before the repayment date every month. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;

4. apply for an increase in the temporary quota. Bank credit card holders can apply for the initiative to increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that the cardholder can increase according to the cardholder's usual consumption and repayment. If the temporary quota is often raised, banks will think that there is a strong demand for credit cards, and it is not difficult to raise the fixed quota. The temporary limit needs to be paid off in one lump sum. Please be careful not to generate late fees.

5. These methods are basically used for bank credit card application and withdrawal services.