1. Only one or two credit cards have expired.
In fact, in this case, generally speaking, banks will not refuse to lend, but may raise the mortgage interest rate. At this time, buyers can ask several banks and choose the one with the lowest interest rate.
2. The credit card is overdue for 3 consecutive times or 6 times in two years.
In this case, it is considered to be a serious overdue situation. Generally speaking, when banks approve mortgages, they will refer to the borrower's credit card overdue behavior in the past two years. Under normal circumstances, one of the spouses is overdue for three consecutive times or six times in total, and the loan application will be rejected.
3. The overdue credit card will lead to the deterioration of its big data and become a blacklist of online loans.
The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
Just search: Sixi data. Click Query and enter information to query your own 100-line credit data, which comes from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various indicator data, and query their own personal credit status, blacklist status, online loan application record, application platform type, online loan credit line estimation and other data information.
In short, the overdue repayment of credit cards has a great impact on mortgage, either raising the mortgage interest rate or refusing to lend. Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.