Detailed description:

1. Banks generally pay attention to continuous overdue, not occasional overdue. Therefore, as long as it is overdue for three times and there is no continuous overdue, you can still apply for a mortgage loan.

2. The overdue situation will affect the credit record, and the bank will review the personal credit record when applying for a mortgage. Although three overdue cases are not ideal, if there are no other bad credit records, banks may consider these overdue cases.

3. Banks will also comprehensively consider factors such as repayment ability and stable income. If the borrower can prove that he has a stable source of income and good repayment ability, the bank is more likely to agree to apply for a mortgage loan.

4. The borrower can provide other supporting materials to increase the chances of successful application, such as other assets guarantee, third-party guarantee or providing more income supporting materials.

5. To sum up, although it has been overdue for three times, the borrower has not been overdue continuously, has a stable income source and a good credit record, and may still apply for a mortgage loan.

Summary:

The borrower can still apply for a mortgage loan only if it is overdue for three times and has not been overdue continuously. Banks will comprehensively consider credit history, repayment ability, stable income and other factors to evaluate the qualifications of applicants.

Extended data:

Personal credit record is one of the most important references for banks when applying for mortgage. In addition to the overdue situation, it also includes other bad credit records, such as loan default and default records. In addition, banks will also pay attention to the borrower's repayment ability, such as whether the borrower's income source is stable and whether the monthly income is enough to cover mortgage repayment.