Yes, if your credit card is overdue twice within 5 years but is repaid in time and within 30 days, and the credit card balance has not been paid off, it may have a certain impact on the mortgage loan.

Details:

1. Banks will comprehensively consider the applicant's credit status when reviewing home loan applications, among which credit card repayment record is one of the important factors.

2. Overdue repayment will leave a record on your credit record, and the bank may be concerned about it and consider its impact on your ability to repay.

3. Two overdue payments and repayment in time within 30 days can be regarded as a minor bad credit record. Compared with long-term overdue payments or multiple overdue payments, the impact on the mortgage loan will be greater. smaller.

4. However, such a bad credit record may still cause the bank to lower your credit evaluation, thereby affecting the interest rate, amount or approval results of the mortgage loan.

5. Other factors such as income, job stability, etc. will also have an impact on mortgage decisions, so overdue credit card repayments cannot be regarded as the only factor.

6. It is recommended that you communicate with the specific lending bank to understand their specific policies in order to better evaluate the status of your mortgage application.

Summary:

Overdue credit card repayments may have a certain impact on housing loans, but the specific impact will be comprehensively considered by the bank's credit evaluation and other factors. It is recommended to communicate with the lending bank for more detailed information.

Extended information: