It will affect the mortgage loan.

Late repayment will have a negative impact on your credit record, which is one of the factors that banks often consider when approving home loans. If there is an overdue record on an Agricultural Bank of China credit card, the bank will have reservations about it when assessing your credit status. Late payments indicate a risk in the borrower's financial management, which can lower the credit score in a home loan approval or cause the bank to impose stricter requirements on the loan application, such as requiring a larger down payment, higher interest rate or Other guarantee measures.