Detailed description:

1. Impact of credit record: The overdue fifth mortgage will have a serious negative impact on personal credit record. Banks usually refer to personal credit reports when approving loans. If they find that there are too many overdue records, they will think that the borrower's repayment ability is risky, which will affect the success rate of loan application.

2. Bank audit criteria: Banks will pay close attention to the borrower's repayment ability and credit status when auditing loan applications. Mortgage overdue for five times indicates that the borrower's poor financial management or low willingness to repay will be regarded as a high-risk factor, which may lead to the rejection of loan application or the increase of interest rate.

3. Risk assessment: The bank will conduct risk assessment according to the borrower's repayment history, income and other financial information. The overdue fifth mortgage will make the bank think that the borrower's repayment ability is weak and increase the risk of loan default, so it may encounter greater difficulties in the loan approval process.

Summary:

Five overdue mortgages will have a negative impact on applying for loans in banks, because it damages personal credit records, violates bank review standards, and increases the risk of loan default.

Extended data: