If the borrower only happens to be overdue occasionally, and then repays in full and on time, it will have no impact on the mortgage. Applicants can also apply for real estate loans after meeting the relevant loan conditions.
If the applicant's credit is seriously overdue, it will definitely have an impact on applying for a mortgage in the future. According to bank regulations, if the borrower has bad credit records for three or more times in two years, he will not be able to apply for a loan.