Generally speaking, banks will refer to the overdue times of individuals in the past two years when approving mortgages. Under normal circumstances, one spouse will not be able to get a loan if it is overdue for three consecutive times or six consecutive times within two years. The meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; A total of six times means that it is overdue once, returned and overdue again. This has happened six times.