Detailed description:
1. Credit records are very important for applying for mortgage loans. The bank will check the borrower's credit report, which contains overdue and bad record information. Being overdue for six times in a row means that the borrower has failed to repay the credit card bill on time in the past six months, which will have a negative impact on the credit record.
2. The bank will evaluate the credit risk of the borrower when approving the mortgage application. Six consecutive overdue shows that the borrower's repayment ability is unstable, and the bank may think that there is a high risk of default, so it may refuse to apply or ask for more guarantee measures.
3. The borrower should give priority to solving the problem of overdue credit cards and restore a good credit record. Only after the credit record has been repaired and stabilized can the chances of successfully applying for a mortgage loan be increased.
Summary: Six consecutive overdue credit card bills may have a negative impact on applying for mortgage loans, because banks attach importance to borrowers' credit records and repayment ability. Borrowers should give priority to solving the problem of overdue credit cards and restore good credit records to increase the chances of obtaining mortgage loans.
Extended data:
Besides loans overdue for six consecutive times, other factors such as the borrower's income level, employment stability and debt ratio will also have an impact on the mortgage application. In addition, banks and financial institutions may have different requirements for credit records, and the specific approval results need to be determined according to the actual situation. Borrowers are advised to carefully evaluate their credit status and consult the bank in detail before applying for mortgage loans.