Based on the personal credit report being overdue for three months, banks will generally not grant a loan.

Details:

1. Personal credit report is an important reference for banks when approving loans. It records an individual’s credit status and repayment record. Overdue records will be regarded as bad credit behavior by banks, which will affect the approval rate of loan applications.

2. The bank will assess the applicant's credit risk when approving a loan. Overdue records show the applicant's failure to perform on time in past borrowings, which will make the bank have doubts about the applicant's repayment ability. Create doubt.

3. The longer the overdue record is, the greater the impact will be on loan application. A three-month overdue record indicates that the applicant has failed to repay on time for three consecutive months, which may be regarded as a serious credit problem and increase the risk of bank approval of the loan.

Summary:

Since there is a three-month overdue record in the personal credit report, the bank may consider the borrower to have bad credit when approving the loan and reject the loan application.

Extended information:

The personal credit information system is constructed and managed under the leadership of the People's Bank of China and records an individual's credit status. Defaults, such as late payments, can affect an individual's credit rating, which can have an impact on future loan applications and credit card applications. The severity of overdue records is one of the important factors affecting bank approval of loans. To maintain a good credit record, individuals should make timely repayments and avoid overdue payments.

Please note that the above information is a general answer only and specific situations may vary. In actual situations, banks may comprehensively consider other factors, such as the borrower's financial status, loan amount, repayment ability, etc. It is recommended that you consult your specific bank or financial institution for precise loan application policies and requirements.