Whether the loan can be issued depends on the borrower's overdue situation. Under normal circumstances, if the borrower fails to repay the loan for six times in three consecutive months or within 12 months, it will be rated as a bad record and may be blacklisted by the bank (that is, there is no chance in the next five years).

However, it depends on the regulations of each bank and the actual situation of overdue customers. For example, the interest rate adjustment of the bank is overdue because it has not received the notice, and the annual fee adjustment is overdue. The specific situation can be solved according to the actual situation. As long as your accumulated overdue times are no more than 6 times in two years and your continuous overdue repayment has not reached 90 days, it will basically not be considered as malicious repayment, and the success of loan acquisition is also a high probability event.

Expiration time:

Overdue is a Chinese character, pinyin is yúqι, which generally refers to the failure to fulfill the corresponding obligations or responsibilities beyond the agreed time, such as failure to repay or pay off the loan within the agreed repayment period after borrowing, failure to pay taxes in full before the specified time limit, etc. Exceeding the prescribed time limit, such as violating the regulations and being overdue for three days, is overdue as long as it exceeds the time limit by one day.

Mortgage loan:

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee.

If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents will use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 30% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.