Generally speaking, debts that are paid off within 10 days overdue will not have any impact on our credit record, while those that are not paid off within 10- 15 days overdue will basically be judged as overdue for different days, with different overdue severity. Taking credit cards as an example, it can be divided into overdue within 60 days and overdue for more than 90 days, and overdue for more than 90 days is malicious overdue. The default "three tired six" in the industry is also very similar to credit cards. If the borrower fails to pay back a penny for three consecutive months, it will basically be considered malicious, and the possibility of being rejected by the bank's loan application is quite high. If the borrower fails to repay more than six loans, the loan application will be very troublesome.

What are the consequences of malicious overdue?

In applying for loans:

1, the bank will check the borrower's credit record when approving the loan. If there is malicious overdue behavior, big banks will basically refuse loan applications. If it is a mortgage, the borrower who paid the down payment will not approve the loan, and the down payment may not be returned, because this is the lender's own problem and has nothing to do with the developer.

2. Small banks may not particularly mind your malicious overdue, but they will take the opportunity to raise the loan interest rate. For the same house, borrowers have to spend more money than ordinary people, far more than paying off overdue debts.

Overdue mortgage:

After buying a house, you may be sued by the bank for repeatedly defaulting on your mortgage. If it is serious, the bank will require to recover the principal and interest of the loan in advance, otherwise the building will be repossessed. What's more serious is that you are detained by the news and prosecuted to the court for compulsory execution.

What kind of overdue is not malicious overdue

1. After buying a house, I checked out for various reasons, and the loan was not settled in time, resulting in overdue.

2. Overdue records caused by reasons such as the bank staff did not clearly inform the repayment date, the adjustment of loan interest rate, and the bank did not inform individuals when the repayment date changed.

3. The credit card has not been received or is not activated, but an annual fee has been incurred.

4. If an individual sells the mortgaged house but fails to refinance, the overdue due to the buyer's failure to repay the loan on time is still recorded in his own name.