Mainly depends on the overdue month. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times. If it is not overdue recently, you can apply.

Mortgage to buy a house loan process:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.