Many friends don’t care about using credit cards at ordinary times, but when they need a loan to buy a house, they discover that overdue credit cards will affect the mortgage application.

Case: A credit card that has never been used has an overdue record

When Xiao Liu just started working, he applied for a credit card under the instigation of the salesperson. After receiving the gift , Xiao Liu never used this credit card again. Two years later, Xiao Liu moved to another city due to work transfer, and his original mobile phone number was also shut down.

Some time ago, Xiao Liu applied for a loan to buy a house, but was told by the credit manager that he had not paid the annual fee on a credit card, resulting in an overdue record. What should I do if I encounter such a situation? I heard that I can issue a "non-malicious overdue certificate". Does this really work?

Credit card overdue situations are generally divided into the following situations:

One is that the credit card is overdue only once or twice. Banks generally will not refuse a loan when encountering this kind of situation, but they may increase the loan interest rate appropriately.

The other is credit card overdue three times in a row or six times in total within two years. Generally speaking, banks will refer to an individual's number of overdue payments in the past two years when approving a home loan. Generally speaking, if a spouse has made three consecutive overdue payments within two years, or a cumulative six overdue payments, they will not be able to obtain a loan.

Among them, three consecutive overdue repayments means that, for example, the repayment period for a fund is one month and it has not been repaid for three consecutive months; and a total of six times means that it was overdue once, repaid, and then again. Overdue occurred, six times.

Will I definitely not be able to get a loan if my credit card is overdue?

Whether a credit card is overdue means you will definitely not be able to get a loan, this is not absolute. For example, the bank is willing to issue you a "non-malicious overdue certificate". If you have such a "customs clearance document" in hand, your loan journey may not be so difficult.

Similar to the above case, after Xiao Liu learned about the overdue situation, he quickly contacted the card issuer and took the initiative to pay the outstanding balance. He also clarified that he was unable to receive the annual fee payment notice after changing his mobile phone card number. Generated overdue. After investigation, the card-issuing bank found it to be true, and finally issued a "non-malicious overdue certificate" to Xiao Liu. With this certificate, Xiao Liu's loan application was approved.

The "non-malicious overdue certificate" looks like this:

Take ICBC as an example.

So, what counts as “non-malicious overdue”?

The Home Buying Guide has compiled six common types of non-malicious overdue payments. The parties concerned can communicate with the bank to issue certificates. The details are as follows:

(1) The business is handled by a third party, but the third party fails to repay the loan on time as stipulated in the contract, resulting in overdue payment. For example, car dealers handle car consumer loan business, real estate developers handle mortgage business, agents and other third-party agents handle repayments, etc. Failure to repay in time due to third-party reasons, such as misappropriation of funds for other purposes, resulting in overdue payments. of.

(2) After buying a house with a personal loan, he checked out for various reasons. The developer refunded the personal down payment, but failed to settle the loan in time, causing the overdue payment.

(3) An individual sells a mortgaged house but does not apply for a remortgage, and the overdue payment caused by the home buyer’s failure to repay on time is still recorded in his own name.

(4) The unit fails to pay the provident fund in time, resulting in the individual provident fund loan not being repaid in time.

In the above four situations, if the bank does not agree to issue a non-malicious overdue certificate, it can sue the party who caused the bad credit in court. If the judicial department determines that the person is not responsible, it may request the relevant financial department to modify the credit information.

(5) Because the individual does not understand the bank's repayment date regulations, or the bank staff did not clearly inform the repayment date, or the bank did not inform the individual when the loan interest rate was adjusted or the repayment date was changed, etc. The individual failed to repay the loan in time as agreed in the contract, and as a result, overdue records appeared on the personal credit report.

In this case, since the loan contract usually stipulates that the bank will not notify the interest rate adjustment, such overdue payment is still the responsibility of the person, and it is difficult to issue a certificate of non-malicious overdue payment.

(6) The credit card is not received or the credit card is not activated but the annual fee is overdue.

In this case, it depends on the credit card contract. If the contract states that annual fees will be incurred if the card is not activated, then the overdue payment will be my responsibility. You should repay the loan promptly and explain the situation to the bank.

In other words, the responsibility for overdue payment does not lie with you. It is relatively easy to obtain a non-malicious overdue certificate from a bank or a third-party institution. Otherwise, you have to try your luck. Generally speaking, in order to avoid overdue payments, individuals should protect their credit and repay their loans on time.

(The above answer was published on 2016-06-02, please refer to the actual current relevant home purchase policies)

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