Yes, it is not relevant. Overdue money owed to the bank will not affect your personal credit score. Please note that it is only "individual" and will not affect your family members, including your spouse and children. If your personal credit report is good, you can definitely get a loan to buy a house, but your father will not be able to get a loan to buy a house in his own name before his credit report is refreshed. Conditions for applying for loan business: Natural persons between 18 and 65 years old; The borrower's actual age plus the loan application period should not exceed 70 years old; Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time; Have good credit and no bad delinquencies Records, the loan purpose is legal; other conditions specified by the bank.

1. Do you need a mortgage to buy a house with a bank loan? A mortgage guarantee is required to buy a house with a bank loan. For those who want to buy a house with a mortgage, the bank has standards for applying for a mortgage to buy a house.

2. Application conditions for bank loans to buy a house: 1. Have permanent urban residence or valid residence status; 2. Have stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule; 3. Have Self-raised funds of more than RMB 20 of the total price of the purchased house, and guaranteed to be used to pay the down payment of the purchased house; 4. Assets recognized by the bank as mortgage or pledge, or units or individuals with sufficient repayment capacity to repay the principal and interest of the loan , and a guarantor who assumes joint and several liability; 5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank; 6. Other conditions stipulated by the bank. Each bank has specific regulations. The actual situation in each place is different, so the requirements are different. In addition to the above basic requirements, you also need to consult the local bank.

3. Information required to apply for a loan to buy a house (1), borrower requirements 1. Natural person aged 18-60 years old (Hong Kong, Macao, Taiwan and foreigners are also acceptable) 2. Have a stable occupation and stable income , the ability to repay the principal and interest of the loan on time 3. The actual age of the borrower plus the loan application period should not exceed 70 years old (2) Materials that the borrower should provide 1. Identity cards and household registration books of both spouses/Temporary residence permit and household registration book for foreigners 2. 2 copies of marriage certificate/divorce certificate or court judgment/certificate of single status 3. Proof of income (format specified by the bank) 4. Copy of business license of the unit (with official seal) 5. Credit certificate: including academic certificate, other real estate , bank statements, certificates of deposit, etc. 6. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, and financial statements. Note: Starting from around May 10, 2010, those who have a non-local household registration and purchase a house in Beijing must provide proof of tax payment for the past year or a social insurance policy for one year and other materials that can prove that they have worked in Beijing for one year.