1. Credit record is damaged: overdue credit cards will have a negative impact on personal credit records, which may make it difficult to apply for housing loans.

2. Loan interest rate and conditions: overdue records may deepen the bank's view on the borrower's risk, so the loan interest rate may be higher and it is more difficult to obtain loans.

3. Limit of loan amount: The bank will determine the loan amount according to the credit score of the borrower. Overdue records may limit the loan amount and affect the ability to buy a house.

4. Approval of other financial institutions: Overdue records may also be considered in other financial institutions, such as insurance companies or leasing companies, which may affect their approval decisions for borrowers.

Summary: Overdue credit cards have a negative impact on housing loans, which may lead to damage to credit records, rising loan interest rates, limited loan quotas and difficulties in approval by other financial institutions. It is recommended to repay the loan on time and maintain a good credit record.

Extended data:

The influence of overdue credit cards in China is mainly reflected in the personal credit information system, which is managed by the People's Bank of China. Overdue records will lower an individual's credit rating, which may adversely affect future loans, credit card applications and other financial transactions. In addition, there are no specific legal provisions in China that stipulate the specific impact of overdue credit cards on housing loans, but banks have their own approval standards and risk assessment methods. Therefore, it is very important to maintain a good credit record.