Detailed description:

1. Past overdue problems: overdue problems will have a negative impact on personal credit records. Under normal circumstances, overdue records will last for a period of time after they appear, and then gradually disappear according to the repayment situation. Therefore, if your overdue record has been settled and two years have passed, then this record may no longer have a significant impact on your credit evaluation.

2. Credit evaluation: When banks or financial institutions consider whether to issue mortgage loans, they usually evaluate the applicant's credit. Credit evaluation includes many factors, such as overdue records, repayment records, income and so on. If your overdue problem has been solved and settled, and there are no other bad credit records in the last two years, then you have a greater chance of being approved to apply for a mortgage loan.

3. Green Dog Quick Query Credit Big Data: In order to obtain more accurate credit information, it is recommended that you use Green Dog Quick Query to query your credit big data. This platform can provide your credit report and related credit scores to help you understand your credit status and make corresponding preparations before applying for mortgage loans.

Summary:

After the record overdue for 7 years is settled, you can apply for a mortgage loan. Your credit evaluation will comprehensively consider many factors, including overdue records, repayment status, income status and so on. In order to ensure the accuracy of your credit information, please use Green Dog Quick Query to query credit big data, so as to understand and manage your credit status more comprehensively.

Extended data:

Mortgage loan means that the borrower applies for a loan from a bank or financial institution to buy real estate or other real estate, and repays the loan according to the agreed terms. Mortgage loan usually requires the borrower to have certain credit evaluation results to judge whether the loan can be obtained, whether the loan amount and interest rate are high or low.

Note: The above answers are for reference only, and the specific loan approval results may be affected by the policies and requirements of banks or financial institutions. It is recommended that you consult your local bank or financial institution for the most accurate information.