No. Banks or personal credit system in the customer arrears generally refers to the borrower in the agreed maturity date of the loan did not return the loan, which is also referred to as "borrowing overdue", the formation of overdue borrowing, if a certain period of time consecutively overdue or the number of times you are overdue more than the number of times you have repaid a certain percentage of the words, will have a personal If you have overdue loans for a certain period of time or if the number of overdue payments exceeds a certain percentage of the number of payments you have made, it will result in a bad credit history for you. The bank's credit history is very important to the individual.

The current 30% discount interest rate, first, to meet the customer is a loan to buy the first set of housing (the second suite is the borrower including spouse through the loan purchase of housing, including provident fund loans and has been settled loans); second, can not have personal bad credit; third is the purchase of housing floor area can not exceed 144 square meters.