Spending overdue repayment will affect the mortgage processing. At present, some users of flower buds have been connected to the central bank's credit information system, which means that if they use flower buds or fail to repay on time, they will receive credit information, which will affect the handling of mortgage loans.

If the flower garden is not connected to the credit information system center, it will not be credited even if it is overdue, which means it will not affect the mortgage processing.

Extended data:

Will it affect the mortgage processing if the flowers are overdue before accessing the central bank's credit information?

Previously, the overdue records of Bai Hua customers would not be directly submitted to the central bank's credit information center. After access, these customers' loan repayment behaviors, like those recorded by other banks, will be reflected in the credit report. Before the stain of credit record is cleared, many behaviors will be restricted and restricted.

After accessing the central bank's credit information, you can query the total loan amount and default records, which will increase the binding force on individual behavior, but this constraint is also a good thing, which can reasonably determine the personal credit limit, avoid excessive lending, and help standardize the entire social credit system.

Faced with the problem of the use of flower beds and bank loans, the above-mentioned CCB staff said that before applying for a mortgage, all overdue loans need to be paid off and vouchers should be submitted. "Not only is the payment overdue, but all loans must be settled."

Alipay customer service said that if the bank loan needs proof, it can provide the settlement certificate of Huayuan.

"In addition, you need proof of income, repayment ability, source of funds and other materials." The staff explained that all these will affect the loan amount and loan interest rate, but overdue itself is not a proof of the ability to repay, mainly depending on the specific circumstances of overdue, whether it belongs to the category of high-risk risks.

"As long as there is no overdue or breach of contract, there is no credit stain, but the financial ability can be reflected through the credit report." For example, if a consumer borrows no more than one or two hundred yuan each time, it means that there is not much running water. Although he didn't repay the loan on time, when he wanted to do a large business, he needed a loan of 6,543,800 yuan. The bank may think that his financial ability is not enough to support the loan of 6,543,800 yuan.

Personal credit is not directly related to financial ability, and financial ability is not only judged by flowers. "Different indicators to judge financial ability will lead to different conclusions, but this will not affect the normal use of Huayuan account.

Regarding Alipay, the cost is one month overdue. Will this affect my mortgage?

There will be an impact, but the impact on the mortgage is not serious, but it will generate overdue interest.

Any overdue records of ant flower buds will be recorded in Sesame Credit, and the background of flower buds will upload everyone's basic financial information database as required. The overdue repayment date of ant flower buds will also generate corresponding overdue interest. Your overdue record will be submitted to Sesame Credit, and the sesame score will also be reduced, which may have a negative impact on your credit.

Extended data:

Flower Garden is a scene-based credit consumption tool in the Internet era. When users spend, they can use the flower garden quota to enjoy the shopping experience of "spending first, then paying".

Characteristics of flower buds: Buy in the current month and repay next month (except for some specific categories such as taobao travel, recharge and movie tickets, Taobao Tmall will repay next month after confirming receipt, and other platforms will repay next month after placing an order for payment). ? Free use of the consumption quota for shopping (if the flower buds are purchased by stages, the buyer needs to bear the specified fee according to the rate set by the merchant), which is convenient for repayment and supports Alipay's automatic repayment.

Repayment date: the final repayment time agreed in the agreement. If repayment is made after this date, a certain overdue fee will be charged and a negative record of overdue will be generated, generally on the 9th of each month.

Alipay service hall-what is a flower bud?

I have a mortgage at present. What will happen if Bai Hua, Bai Jie and Tik Tok guarantee loans overdue?

If the credit is overdue to a certain extent, the loans with serious credit black households will be approved or the amount is small and the interest rate is high;

If the overdue period is not more than 3 days, no credit will be granted. It is recommended to find a way to repay the online loan as soon as possible.

Generally, the repayment method of mortgage is average capital or equal principal and interest, while mortgage loans and commercial loans can be operated with interest first and then principal (only interest is paid every month, and principal is returned after maturity). The monthly repayment funds are very small, so it is easier to operate if you have a company under your name, and the interest rate may be lower than that of mortgage loans, about 4%.

If the funds are really tight, you can consider borrowing a sum of money, paying off the mortgage first and paying interest first. People with mortgages can also operate real estate mortgages, and you need to deduct the outstanding mortgage from the loan amount.