Detailed description:
1. Overdue situation: the credit report shows that there are overdue records, and the number of overdue accounts is 2, indicating that there have been loans or credit cards with delayed repayment in the past.
2. Number of overdue months and the longest overdue months: the number of months is 9 and the longest overdue months is 3, which means that at least one account has been overdue for more than 3 months in the past 9 months.
3. Maximum monthly overdue total: the maximum monthly overdue total shown in the report is 43, which means that the overdue debt reaches 43 yuan once in a month.
To sum up, the overdue records, the number of overdue months, the longest overdue months and the maximum overdue amount in a single month in the personal credit report will have an impact on applying for a mortgage. Banks will comprehensively consider the applicant's credit status when reviewing mortgage applications. Overdue records may reduce the credit rating, thus increasing the difficulty of obtaining mortgage loans or leading to an increase in loan interest rates.
Extended data:
In addition to the above indicators, banks will also consider other factors, such as personal income, employment stability, debt burden and so on. If the applicant can provide other good credit records and proof of income increase, it may help to make up for the adverse effects caused by overdue records. In addition, each bank's lending policy will be different, so the specific impact will vary from bank to bank.
Summary:
The overdue records, the number of overdue months, the longest overdue months and the maximum overdue amount in a single month in the personal credit report will all have an impact on the mortgage. Overdue records may lower the credit rating, making it more difficult for them to obtain mortgage loans or raise loan interest rates. In addition, banks will also comprehensively consider other factors, such as personal income and employment stability. In order to increase the chances of getting a mortgage, in addition to improving personal credit status, you can also provide other good credit records and proof of increasing income.
Supplementary information: