1. First of all, according to the information you provided, the overdue times of 15 times are all less than 10 days. This shows that your overdue behavior is relatively minor, and the overdue problem has been solved in a short time.

Secondly, banks usually consider many factors when approving loans, not just the number of overdue loans. Other factors include your income, employment, credit history and debt ratio. If these aspects perform well, they can make up for the impact of overdue time.

Finally, I suggest you actively communicate with the bank and explain the reasons for the overdue times. If you can provide a reliable explanation and show a positive trend of improving financial situation, the bank may be more willing to consider your application for housing loan.

Summary: Although you have a few overdue records, as long as you are in good financial condition in other aspects and can actively communicate with the bank, it is still possible to successfully apply for a housing loan.

Extended data:

Overdue record refers to the act of not paying or repaying debts as agreed in the contract. Banks and financial institutions usually regard overdue records as an important indicator to evaluate the credit status of borrowers. However, if the overdue times are few and resolved in a short time, the borrower still has the opportunity to obtain loan approval.