Whether loans overdue can buy a house depends on the severity of overdue credit. If the credit card is overdue only once or twice, the relevant bank will generally not refuse the loan, but may raise the loan interest rate appropriately. Buyers can ask the bank more, because if it is a bank that cooperates with real estate, the mortgage interest rate is also favorable.

If it is overdue for three or six times in two years, the bank will check the overdue times in the last two years when approving the loan. If one of the husband and wife has three consecutive overdue repayment records or six overdue repayment records within two years, the loan cannot be obtained.

If the applicant provides evidence of unintentional overdue to the bank, some banks may relax the restrictions. There are also some banks that can issue non-malicious overdue certificates in small amounts, which can increase the down payment, or banks can successfully apply for mortgages if they need tens of thousands of certificates of deposit.