This is more difficult. Buying a house with a mortgage is similar to a loan. Generally, you can apply for a loan after accumulating about six or ten times. Check your bank credit report to see if you are married. If one spouse has bad credit, it will affect the loan. The spouse with better credit can be the borrower.

Solutions to overdue credit cards:

1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, during the final repayment period Before arriving, cardholders are advised to call the bank's credit card center to state their financial situation, declare that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc.

If you take the initiative to contact the bank and get the bank's consent to postpone the repayment, you will not be recorded as a bad record. However, it should be noted that you will be guaranteed to repay as agreed in the future.