1. The credit record has a certain impact on the loan approval, but only one day overdue repayment will not have a significant negative impact on the credit record.
2. Credit record is one of the important references for banks to evaluate personal credit risk. The record of default will reduce the credit score, which will affect the loan approval. However, a day's overdue repayment will not be regarded as a serious breach of contract, and banks usually have a grace period for overdue repayment of credit cards. Only when the overdue period is long and frequent will the credit record be seriously affected. So far, there is only one overdue repayment, which will not directly affect the loan approval result of buying a house.
3. To sum up, timely repayment is the key to maintaining a good credit record, and the overall situation of personal credit records will have a greater impact on loan approval. In order to obtain loan approval, in addition to credit records, other factors need to be considered, such as income stability, repayment ability and other loan and liability information.
4. Extended information:
A. The influence of credit records on loan approval varies with banks and policies. It is recommended to pay attention to the specific policies and requirements of the bank where you apply for a loan.
B. If there are other bad credit records, such as overdue repayment accumulation, default, dishonesty, etc. , which may have a greater impact on the loan approval results.
C. If you are worried about the influence of credit records on loan approval, you can actively communicate with the bank to explain the reasons for overdue repayment and promise to repay on time in the future.
D. When approving loans, banks will comprehensively consider various factors and evaluate personal credit and repayment ability, so the approval results of each case may be different.
Please note that the above information is for reference only, and the specific situation needs to be decided according to the individual's actual situation and bank policy. I suggest you communicate with relevant banks in detail in time and consult professionals.