Details are as follows:
1. credit record: overdue repayment will have a negative impact on personal credit record, especially long-term overdue. Banks or other lending institutions will comprehensively consider personal credit status, including overdue records, when approving housing loan applications. Paying off Alipay loans overdue for two years, although there are overdue records in the credit record, the completion of repayment shows that there is repayment ability, which has a positive effect on credit repair.
2. Repayment ability: When applying for housing loans, repayment ability is an important factor considered by banks or lending institutions. Paying off Alipay's loan two years overdue means that the individual has paid off the loan and showed a certain repayment ability. If the personal income is stable and the assets are proved to be good, the possibility of loan success can be increased.
3. Down payment ratio: a certain down payment ratio is required for house purchase loans, which varies according to local policies and bank regulations. The record of overdue repayment may affect the bank's approval of housing loans, such as requiring a higher down payment ratio or raising the loan interest rate. Therefore, after meeting the repayment ability requirements, it may be necessary to set aside more funds for the down payment of the house.
Summary: You can apply for a loan to buy a house after paying off the debt borrowed by Alipay two years overdue. Although overdue records have a certain impact on credit evaluation, if you can prove your repayment ability and meet other loan conditions, you still have a chance to get a loan successfully.
Extended data:
Please note that the above answers are based on general analysis, and the specific results of applying for housing loans are also affected by many factors, such as personal credit records, banking policies, loan quotas, etc. It is recommended to consult relevant professionals before applying for a loan to understand the specific details and possible requirements to ensure the smooth application.