Credit card arrears may affect the mortgage, but not necessarily, as long as it is repaid on time.

Credit card arrears will affect users' personal credit problems, and if it is serious, it will have a serious impact on future credit card applications and loans (car loans and mortgages).

Whether a credit card can apply for a mortgage depends on the degree of overdue credit of the applicant. If the borrower only occasionally fails to repay in full and on time, it will not affect the mortgage. Applicants can also apply for real estate loans after meeting the relevant loan conditions.

If the applicant's credit is seriously overdue, it will definitely have an impact on applying for a mortgage in the future. According to bank regulations, if the borrower has bad credit records for three or more times in two years, he will not be able to apply for a loan.

Banking professionals explained that personal credit report is one of the reference factors for mortgage approval, because credit report reflects personal credit awareness. Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan.

It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.

In short, the role of personal credit is becoming more and more important, and we must attach importance to it. Use credit cards carefully. If you are not careful, you may be implicated in credit cards. It is suggested that the buyers who intend to buy a house after marriage should bring their ID cards and other documents to the local China People's Bank to check their personal credit records before marriage, in case of emergency.