First of all, the impact of overdue times on mortgage depends on the severity and frequency of overdue. In this case, although there are many overdue times, each overdue time does not exceed 90 days, indicating that the overdue time has not reached a serious level. So this can be considered as a relatively minor overdue situation.
Secondly, for mortgage applications, banks usually comprehensively consider the applicant's credit history, income status, liabilities and other factors for comprehensive evaluation. Although overdue records will have a certain negative impact on the credit score, due to the small number of overdue records and the overdue time within 90 days, they are usually not regarded as serious credit problems.
Generally speaking, there are eight overdue times in five years, but if it does not exceed 90 days, it will have little impact on applying for a mortgage. However, please note that the above conclusions are for reference only, and the specific impact still needs to be communicated and evaluated with the bank.
Extended data:
The borrower's credit record is one of the important bases for banks to evaluate loan applications. The overdue record is the negative information in the credit record, which reflects the borrower's failure to repay the loan on time or credit card arrears. Banks usually evaluate the borrower's credit status according to factors such as overdue times, overdue amount and overdue time, and decide whether to approve the loan application, as well as the interest rate and amount of the loan.
In the process of loan application, borrowers can actively improve their personal credit records, such as maintaining good repayment habits, avoiding overdue and timely repayment. In addition, establishing good relations with a number of banks and conducting diversified financial planning will also help improve the success rate of loan applications. The most important thing is to maintain a stable economic situation and financial capacity to enhance the confidence of banks in borrowers.
The above answers are based on routine situations and common sense, and the specific problems still need the guidance and explanation of relevant banking institutions or professionals.