Detailed description:
1. Credit record: Banks usually pay attention to the applicant's credit record when approving mortgage loans. Overdue records may have a negative impact on credit rating, but it does not mean that loans cannot be made. If the credit is good except for overdue records, if the repayment ability is stable and there are no other major problems in the credit report, the bank may consider approving the loan.
2. Repayment ability: Banks will also pay attention to the repayment ability of applicants. Even if there are overdue records, if it can be proved that the current economic situation is stable, there is a stable source of income, and sufficient proof of repayment ability can be provided, the bank may reconsider approving the loan.
3. Value of collateral: Another important factor is the value of collateral. If the value of the house is much higher than the loan amount, banks may be more relaxed in considering risks, and even if they have overdue records, they may tend to approve loans.
Summary:
Although the bank mortgage has a record of overdue, it is still possible to get a loan. However, the final approval result will comprehensively consider many factors such as credit history, repayment ability and collateral value.
Extended data:
For more accurate answers and personal details, users are advised to check credit big data in Qingquan. By querying personal credit reports, more detailed information can be obtained, including the severity of overdue records, other credit rating indicators and possible improvement measures. This will help users better understand their credit status and make corresponding loan decisions.