2. The impact is mainly reflected in the following points:

A. Credit score: Overdue records may have a negative impact on the credit score, while a low credit score may lead to unfavorable conditions and higher loan interest rate in the process of buying a house.

B. Loan ability: The bank will consider the loan ability of the applicant when approving the mortgage loan. Overdue records may reduce the reliability of borrowers in the eyes of banks and limit their access to higher loans.

C approval result: overdue records may make banks more cautious when approving mortgages, and may require more financial information or additional collateral.

3. To sum up, even if the amount of overdue records is small and occurs earlier, it will still have an impact on the purchase of houses, including lowering the credit score, limiting the ability to borrow, and may lead to stricter approval conditions.

4. Extended information:

-Credit score is an index to evaluate according to personal credit record and repayment performance, generally between 350 and 950 points. The higher the score, the better the credit status.

-Housing loan refers to the act of buying a house by applying for a loan from a bank or financial institution. The loan amount is generally large and the repayment period is long.

-Overdue records refer to the records of not paying the due amount on time during the credit card or loan repayment process, and these records will be recorded in the personal credit report.

-Loan ability refers to the loan qualification and amount that an individual or family is considered to have according to income, financial status, credit history and other factors.

-When approving a loan, the bank will comprehensively consider the borrower's credit score, borrowing ability, repayment record and other factors to make a decision.