As we all know, overdue credit cards will produce bad credit records, which will affect the loan to buy a house. However, it does not mean that the loan will be refused if it is overdue, mainly according to the seriousness of the overdue situation. Generally, if the overdue period is not serious, the bank will still approve the loan, but will increase the mortgage interest rate on the benchmark interest rate according to the number of overdue times. Let's take a look at how high the interest rate of overdue credit card mortgage is.

When applying for a mortgage loan, as long as the cardholder fails to repay the loan three times in a row or six times in two years, and the overdue amount is not large, if the debt is paid off after the deadline, the bank will still be happy to approve the loan, but the loan interest rate will increase, that is, the benchmark interest rate will rise. But the specific floating range depends on your overdue times and bank regulations.

However, I heard that credit cards can go up by 5% once overdue, 10% twice overdue, and some even go up by 15%. Although 5% doesn't seem like much, if you want to calculate it, it will be tens of thousands of loan interest. This is only online data, uncertain, subject to the bank.