As we all know, overdue credit cards will produce bad credit records, which will affect the loan to buy a house. However, this does not mean that overdue loans will be rejected. It mainly depends on the severity of the overdue circumstances. Generally, if the overdue circumstances are not serious, the bank will still approve it. You can get a loan, but the mortgage interest rate will rise above the base interest rate based on the number of overdue payments. Let’s take a look at how high the interest rates on overdue credit card mortgages are.

When applying for a mortgage, as long as the cardholder has overdue payments three times in a row or six times in total within two years, and the overdue amount is not large, the bank will still be happy to approve the loan if the overdue amount is paid off. , but the loan interest rate will increase, that is, the base interest rate will rise. However, the specific fluctuation range depends on your number of overdue payments and bank regulations.

But I heard that if a credit card is overdue once, it can be increased by 5%, and if it is overdue twice, it can be increased by 10%, and some can even be increased by 15%. Although 5% may not seem like much, if you want to calculate it, it amounts to tens of thousands of loan interest. This is only the data transmitted online and is not certain. The details are subject to the bank.