1. Borrowers who only spend a lot of money on credit information can often apply for real estate mortgage loans normally, because such loans have much lower requirements for credit information and can basically apply, without the current overdue stain. Borrowers who have overdue stains in the past should pay attention. Generally, it will be more than two years from now, and it will not have much impact. 2. If it is approaching now and the overdue situation is still very serious, it will increase the loan rejection rate. However, we can try to increase the number of borrowers to improve the loan pass rate. 3. Many people's credit problems are mainly reflected in the large number of loan products under their names, which may also be accompanied by long lending time and high debt ratio. You can try to settle some debts under your name and cancel the unused loan platform account, which can optimize your credit qualification.

Legal basis:

Article 10 of the General Principles of Loans in People's Republic of China (PRC) is divided into credit loans and secured loans according to whether there is guarantee or not. Credit loan refers to an unsecured loan based only on the borrower's credit status. A secured loan refers to a loan provided by the borrower or a third party according to law. Secured loans include secured loans, mortgage loans and pledged loans. Guaranteed loan, mortgage loan or pledge loan refers to the loan issued by way of guarantee, mortgage or pledge as stipulated in the Guarantee Law of People's Republic of China (PRC).

Derivative problem:

Can the guarantor have a bad credit report? The bad credit information of the guarantor will affect the bank's lending. Generally speaking, as a guarantor, you should at least have the ability to repay risks, have a good reputation and have no bad violation records. The People's Bank of China's personal credit record has no record of non-performing loans. Once you vouch for others, you must bear the relevant responsibilities. If others don't pay it back, you have an obligation to help others pay it back. If you are not your parents and other close relatives, don't vouch for anyone, otherwise the consequences will be very serious, which will affect your future loan to buy a house, a car and a credit card.