1. Credit record:
When applying for a loan, the bank will check the applicant's credit history. The record of overdue repayment will have a certain negative impact on credit evaluation. However, if the overdue records have been paid off, the impact on credit records will also be reduced.
2. Banking policy:
Although you can apply for a loan after the deadline, success depends on the policies of banks. Different banks may have different views and requirements on the record of overdue repayment. Compared with past overdue records, some banks may pay more attention to the repayment ability and credit status of applicants.
3. Comprehensive evaluation:
When approving loans, banks will generally consider the applicant's income, credit history, debt burden and other factors. If the applicant has good repayment ability, a stable source of income and a good credit status after overdue repayment, the chances of successfully obtaining a loan will be even greater.
To sum up, you can apply for a house loan under normal circumstances if you pay it off two years overdue. But the specific needs are determined according to the bank's policies and personal comprehensive conditions. If you need to know more detailed information, I suggest you go to Qingquan to check the big data of credit investigation, so as to obtain more accurate personal credit evaluation and relevant banking policy information.