1. Does the overdue credit card affect the loan to buy a house?

In fact, the occasional overdue has a relatively small impact on the application of personal loans. Generally speaking, the cumulative number of short-term overdue is less than 6 times in two years, or the continuous overdue is less than 3 times, which will not affect the normal approval of mortgage loans.

despite these overdue records, it is still possible to apply for a mortgage smoothly, but the mortgage interest rate and loan amount may have a certain impact, and the approval time may be prolonged. It is better not to have overdue records as much as possible.

At present, a lot of peer-to-peer lending will be included in the credit investigation, such as overdue loans from Ant Flower and JD.COM White Bar, which may also be recorded in the credit investigation. Be careful when using peer-to-peer lending.

If applying for a mortgage, the main contents of the bank's examination and approval are as follows:

First, examine and approve the down payment ability. If it is the first suite, choose a provident fund loan with a down payment ratio of 2% and a commercial loan with a down payment ratio of 3%; If it is a second suite, the minimum down payment ratio is 4%. Different regions have different requirements for the down payment ratio of the second suite, and the down payment ratio of the second suite in some regions will reach 5%.

another thing is to review credit records. No matter what loan you apply for, you need to review credit information.

finally, the repayment ability is reviewed. Banks mainly determine the repayment ability by means of bank flow, income certificate, assets under their names, household liabilities, etc. Generally, it is required to have a bank flow of more than 2 times a month.

If personal credit information is tainted, it is basically impossible to eliminate the tainted information. The only way is to take good care of the credit information and it will be automatically eliminated after 5 years.

second, does one overdue credit card affect the housing loan?

Although the credit card is overdue only once, it will still affect the subsequent mortgage processing. Because as long as the overdue situation occurs, the bank will report it to the central bank's credit information system and leave a bad record in the customer's personal credit information report.

You should know that the overdue records on the credit information will be kept for at least five years after the customer pays off the debts before they can be deleted by the system, so the overdue records will inevitably lead to the damage of the customer's personal credit, and the customer's credit information will definitely be inquired when the mortgage is approved. Therefore, as soon as it is found that there is overdue information on the customer's credit information recently, most of them will refuse to approve the loan, and it is difficult for the customer to get a mortgage in a short time.

In this regard, customers should pay off their debts quickly, take good care of their credit, accumulate more new and good records, and slowly cover up the old bad records (banks usually review the credit information of customers in the past two years), and then apply after the credit information is repaired, and provide as much information as possible on income and financial resources when applying, and find a person with good credit to guarantee their mortgage.

third, credit cards are often divided into stages, will it affect the loan for buying a house?

Credit cards are often divided into stages. As long as they have been repaid on time and have not been overdue, they have always had a good credit record in the bank. This situation will not affect the application for mortgage.

providing good credit certificate to prove that you have enough repayment ability, or choosing to mortgage the purchased property, will help to approve the housing loan.

The process of applying for individual owner-occupied housing loan:

1. Choose your own satisfactory property;

2. Confirm the qualification of the developer and whether the real estate under construction is supported by the bank, so as to ensure the smooth acquisition of the mortgage loan;

3. After signing the Commercial Housing Pre-sale and Sales Contract with the developer, initiate a loan application. After the bank examines and confirms that the buyer meets the conditions of mortgage loan, it will issue a loan consent notice or a mortgage loan commitment letter to the buyer.

Extended information:

Credit card installment payment

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and according to the cardholder's application, the consumer funds are deducted from the cardholder's credit card account in installments, and the cardholder repays according to the monthly recorded amount.