An overdue credit card may affect the mortgage. If the party's credit card is overdue for more than 90 days, it can be considered as malicious overdue, which seriously affects the mortgage; However, if the overdue days are less than 90 days or overdue occurred two years ago, it will have little impact on the mortgage.

legal ground

Article 5 of the Measures for the Administration of Individual Housing Loans

The borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.