1. Cumulative overdue 13 months is not a serious overdue, which means that the borrower has partially overdue in the past five years, but it has not reached a serious level.
2. Banks will comprehensively consider multiple factors when examining loan applications, including the borrower's credit history, income status and other assets. Overdue records are one of the factors, but not the only decisive factor.
3. In addition to overdue records, if the borrower has a stable income source, a good work record and can provide sufficient loan guarantees, such as collateral or guarantor, it is still possible to obtain a house purchase loan.
Summary: Although there are accumulated overdue records, as long as the applicant meets other loan conditions, such as stable income and reliable guarantee method, he can still apply for a house purchase loan.
Extended data:
Banks will conduct a comprehensive risk assessment when evaluating loan applications, taking into account the borrower's credit status, repayment ability, debt ratio and other factors. Different banks have different tolerance for overdue records, so the specific results may be different according to individual circumstances and bank policies.
Please note that the above information is for reference only, and relevant financial institutions need to be consulted for accurate evaluation and suggestions.