Overdue is not a problem, the question is how long have you been overdue, more than a month? What is the overdue amount? Is it a large amount or an annual fee or something? As long as it's paid off, it's no big problem. You can call the overdue credit card center and ask it to issue you a proof of payment. If the annual fee is overdue, I can also give you a proof of non-malicious arrears, but the proof seems to cost 10 yuan 20 yuan ~ As long as you settle the overdue, the bank can't refuse to lend you a loan. If BOC fails, there are many other banks, and now all banks are vying for a loan business ~
Second, if my credit is not good, can I still get a mortgage?
1, considering that your overdue amount is relatively small, the bank will analyze it when considering giving you a loan, which does not mean that you can't lend.
If you want to enjoy the treatment of normal qualifications, you should go to the original card-issuing bank and ask them to give you a statement and stamp it.
3. In case the above two points fail, you can also get a loan, but there will be a small discount on the loan ratio or interest rate concessions.
Leave me a message if you have any questions, and I will explain in detail.
Third, how to deal with the inability to repay the mortgage due to serious illness?
If you are seriously ill and unable to repay your mortgage, you need to take the following measures in time:
1. Contact the bank: you should contact the loan bank in time, explain your own situation, negotiate repayment plan or postpone repayment and other measures.
2. Apply for holdover or exemption: If the situation is serious, you can apply to the bank for holdover or exemption of partial repayment, but you need to provide medical certificate and income certificate.
3. Transfer of real estate: If you can't continue to repay, you can consider transferring real estate to repay part or all of the mortgage, but you need to pay attention to the real estate market and taxes.
4. Seek help: You can seek some financial help from social welfare institutions and charitable organizations to help ease your economic pressure.
In short, it's not your personal fault that you are seriously ill and can't pay the mortgage. You need to keep asking for help and find the solution that suits you best.
4. Can I borrow money to buy a house with bad credit?
The influence of overdue credit information on mortgage application should be differentiated according to different situations.
1. If the loan is only overdue once or twice, and it is only overdue for one or two days, and the amount is not large, banks generally will not refuse the loan. However, the loan interest rate can be raised appropriately. You can compare the interest rates with several banks, because you can apply for preferential policies if the mortgage interest rate of the cooperative bank of the property is favorable.
2. The credit investigation is postponed for three consecutive times within two years, that is, it is overdue for three consecutive times within two years, or accumulated for six times, which is easy to be rejected.
In the case of overdue, it is difficult to pass the bank's risk control approval.
3. The other is that there have been too many credit inquiries in recent years, especially for institutions applying for loans. This bank that makes inquiries more than three times a month and eight times a month will also refuse, so you must be cautious when applying for a loan.
In addition, if you buy a house after marriage, you need to review the credit information of both husband and wife. If there is something wrong with your spouse's credit information, you can't lend. Therefore, when using credit cards or managing existing loans in daily life, you must make repayment reminders yourself to avoid unnecessary overdue situations.