Will it be affected if the mortgage is overdue once?

This will have an impact, but it will not have a big impact. If it is only once and does not occur every other month, then there will be no problem with your personal credit. , will not affect future loan credit, it is recommended to repay as soon as possible.

If the personal housing loan handled by China Merchants Bank is not repaid on time (that is, the full amount is not deducted on the debit date), an overdue record will be generated, and the central bank will uniformly record it in the credit information system. Since your credit status will need to be reviewed when you apply for a loan or credit card in the future, it is recommended to maintain a good repayment record. Please confirm with the agency handling subsequent business whether there will be any impact after the specific review.

Extended information:

Banks generally assess customers' credit records based on the standard of "three in a row and six in a row". The so-called "three in a row and six in a row" refers to overdue repayments "for three consecutive months, a total of six times". "Suppose a customer's mortgage is overdue for three consecutive months or six times in total. If he applies for a loan again, the bank will definitely be more cautious." Will one overdue credit card have an impact on the mortgage?

Generally speaking, One overdue credit card will not affect your mortgage loan. If the cardholder did it unintentionally and paid off the debt as soon as it was overdue, he or she can go to the card issuer to explain the situation and request a "non-malicious overdue certificate." With this certificate, even if the cardholder has an overdue record, it will not be affected when he applies for a mortgage loan.

In addition, the bank has enabled timely repayment function for credit card users. Repayments made by cardholders within three days after the latest repayment date can be counted as on-time repayment, and personal credit records Overdue will not be recorded in . If the cardholder repays the loan after the bank's grace period, he should immediately submit a "non-malicious overdue certificate" to the bank and apply to cancel the overdue record. It is also feasible, provided that the amount cannot be too large.

If the cardholder's credit card is overdue for more than three days but it is not serious and does not reach the level of "three in a row and six in a row", that is, it is overdue for three consecutive months or six times in total, and the overdue amount is not large. , If it is repaid within a short period of time, it will not have much impact on the mortgage loan. However, the loan interest rate will be increased or the approved loan amount will be reduced.

The longer the credit card is overdue and the greater the overdue amount, the greater the impact on applying for a mortgage loan. Generally, if a credit card is overdue for more than 90 days, the bank will determine that the cardholder has overdue maliciously. If you apply for a loan again, you will most likely be rejected directly. If the cardholder has three consecutive overdue repayments within two years or a total of six overdue repayments within two years, the cardholder will not be able to obtain a mortgage loan.

Extended information:

Mortgage loans are divided into:

1. Housing loans

Personal housing loans refer to the loans issued by banks to borrowers. A loan used to purchase an ordinary home for self-occupation. Borrowers must provide security when applying for a personal home loan. There are three main types of personal housing loans: entrusted loans, self-operated loans and portfolio loans. Entrusted loans

Personal housing entrusted loans refer to loans issued by banks to individuals purchasing ordinary housing in accordance with specified requirements, using housing provident fund deposits as the source of funds, and in accordance with the entrustment of the housing provident fund management department. Also called provident fund loan.

2. Self-operated loans

Personal self-operated housing loans are loans issued to individual home buyers with bank credit funds as the source. It is also called commercial personal housing loan, and the loan names of each bank are also different. China Construction Bank calls it personal housing loan, and Industrial and Commercial Bank of China and Agricultural Bank of China call it personal housing guaranteed loan.

2. Portfolio loan

Personal housing portfolio loan refers to a loan issued to the same borrower using housing provident fund deposits and credit funds as sources to purchase ordinary housing for self-use. It is a personal housing loan. A combination of entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Will one overdue credit report affect the mortgage loan?

1. One overdue credit report will still have an impact on the mortgage loan, because personal credit report is one of the review conditions for home loans. As for whether it can successfully pass the review It still depends on the result given by the bank.

2. Generally, it is not overdue in the past two years, and the overdue situation is not very serious, and the impact on the mortgage loan is not great. Provide some personal asset certificates to prove that your repayment ability is good. A mortgage review can also be helpful.

3. In addition to the pass rate, overdue credit reporting will also have a certain impact on the interest rate of the mortgage. Overdue credit may lead to a higher interest rate on the mortgage.

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