Having overdue records has an impact on applying for housing loans. Generally, applying for a housing loan requires that the borrower is not overdue at present, twice within half a year, three times in a row within two years, and six times in total.

Overdue is divided into mild and malicious, whether it is mild or malicious overdue, it will definitely affect your credit. Although the three overdue times are discontinuous, the consequences are also very serious, and the bank will definitely write you down.

After the deadline, the repayment can be made in time before the next sunrise order. This overdue will only be recorded in the bank card issuing bank and will not be reported to the credit information system of the People's Bank of China. The length of these three overdue periods is very important. If the next billing date, or even more than 3 months overdue, it will definitely affect your mortgage. If it is overdue for three times, it shall be paid in full before the next billing date. You can try to apply for a loan at a bank other than the issuing bank according to the actual situation.

In any of the following circumstances in the personal credit report, provident fund loans may not be issued:

Accumulated overdue for more than fifteen times (including fifteen times).

Overdue records of more than three consecutive periods (including three periods).

There are more than six overdue records in the last twenty-four issues (including six times).

2. Can I borrow money to buy a house with overdue records?

Overdue credit records will have a negative impact on the application for loans, but the loan review may not fail, depending on the relevant regulations of banks or third-party financial institutions on overdue.

Generally speaking, if the credit record is overdue for no more than 2 times, the bank will still handle the loan as appropriate, but the number of overdue times is accumulated for 6 times or more, and the banking system may not approve it.

However, in the same overdue situation, third-party financial lending institutions will be relatively lenient, because different institutions have different tolerance for overdue.

A relatively loose auditing institution, even if its credit history is overdue, will not affect the approval of the institution's lending.

If the overdue times are less than the audit requirements of any financial institution, you can increase your own assets, such as real estate, vehicle driving license, etc., so that the audit pass rate will be greater.

Or find a friend with a good credit record, good economic strength and fixed assets as a guarantee, which is also one of the considerations of lending institutions.

If the online loan itself is not compliant, then such online loans are overdue and have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.

Extended data:

If my credit card is overdue, can I borrow money to buy a car?

If users have good credit information, there are many mortgage channels to choose from.

For example, going directly to the bank to mortgage a car loan has the advantage of low interest, and some banks will also launch large credit cards to buy cars in installments, which is very convenient to handle.

At the same time, many manufacturers will also launch financial services, which can be applied directly in 4S stores, and most of them are interest-free in order to attract users.

If the credit is overdue, you can borrow money to buy a car, but the premise is that the overdue situation of the user is relatively light. For example, if it is overdue occasionally and paid off in time, it will generally not affect it.

If the user is overdue for more than 90 days, or cancels the mortgage, there is no way to apply for a loan unless he buys it in full or mortgages it in the name of relatives and friends.

Of course, it can also be handled through a third-party guarantee company. Although you have to pay a fee, the guarantee service provided by the guarantee company will increase the chances of passing.

If the lender makes it clear that the borrower cannot borrow money to buy a car, then the borrower needs to wait until the credit information is restored before applying for a car loan.

Or pay off overdue debts. If the overdue record is kept for more than 3 years, the borrower can also try to apply for a car loan.

In short, overdue debts have not been paid off or have been paid off, but the retention time has not exceeded 3 years. At this time, the user cannot apply for a car loan.

Can I buy a house by mortgage three times in two years?

Having overdue records has an impact on applying for housing loans. Generally, there cannot be two overdue loans within half a year and three consecutive repayments within two years.

Overdue is divided into mild and malicious, which will definitely affect your credit. Although the three overdue times are discontinuous, the consequences are also very serious, and banks must

After the deadline, the repayment can be made in time before the next sunrise order. The overdue record will not be reported to the credit information system of China People's Bank. These three overdue times are as long as one day or even more than three months, which are malicious overdue and will definitely affect your mortgage application. If it is overdue for three times, it shall be paid in full before the next billing date. You can try to apply for a loan at a bank other than the issuing bank according to the actual situation.

In the personal credit report, there is a deposit loan:

Accumulated overdue for more than fifteen times (

Overdue for more than three consecutive periods (

There are more than six overdue repayments in the last 24 installments, and now the down payment has been paid. Can I apply for a mortgage in this situation? urgent

4. Three months overdue for two consecutive years. Can I still apply for a mortgage this year?

I have been overdue for three months for two years in a row, and I should not be able to apply for a mortgage this year.

Applying for a mortgage requires a good credit record, and personal credit report is one of the reference factors for mortgage approval, because the credit report reflects personal credit awareness. Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan.

Moreover, the overdue repayment for two consecutive years and three months has far exceeded the bank's bottom line, so it is impossible to apply for a loan.