First of all, overdue credit cards will have a negative impact on personal credit records. Even if the overdue has been paid off, the overdue record in the credit record still exists and may affect the personal credit score. Generally speaking, credit score is very important for buying real estate, because banks or other financial institutions will consider the applicant's credit record when approving housing loans.
Secondly, in addition to credit history, personal income and liabilities should also be considered when buying real estate. Housing loans are long-term debts, and banks will decide whether to approve loan applications by evaluating individuals' repayment ability. If the personal credit card is overdue, there are other large debts or unstable income, the bank may express concern about the mortgage application.
Finally, the policies and financial environment of the real estate market will also affect the purchase conditions. The government may implement strict property market control policies, such as purchase restriction measures or high interest rate policies, which will have an impact on the purchase of houses. In addition, changes in the financial environment, such as rising interest rates or tightening policies, will also have an impact on the purchase of houses.
To sum up, there is no definite time period for how long a credit card can be overdue to buy a house. Personal credit records, income and liabilities, mortgage policy and financial environment are all important factors affecting the purchase of houses. It is suggested that individuals should keep a good credit record in time to stabilize their income after overdue repayment, and consult professionals according to the actual situation to get more accurate help.
If supplementary information is assumed, the following situations can be considered: Assume that the buyer has a good credit record and stable income, and other liabilities are light. In this case, the purchase plan can be started about 3-6 months after the overdue payment. However, please note that this is only a personal estimate, and the actual situation still needs to be evaluated according to the specific situation. Therefore, it is recommended that property buyers consult professionals before taking concrete actions to get more detailed and accurate suggestions.