For homebuyers who borrow money to buy a house, bank lending is only the beginning, not the end. If you don't repay the mortgage on time many times because of carelessness, it will have serious consequences. \x0d\ There is a "regulation" for bank mortgage loans, and the "red line" for overdue repayment is basically "for three consecutive months or six times". If the overdue loan exceeds this "red line", the bank thinks that the individual has credit problems and is not trustworthy, and generally will not approve the application for credit card or loan in the future. Serious banks have the right to demand the termination of the loan contract and pay off the remaining loans in one lump sum. \x0d\ At present, the personal credit stain may be caused mainly by the failure to repay the mortgage loan on time, the failure to repay the credit card overdraft on time, the insufficient repayment amount due to the increase in the loan interest rate and the failure of the court's economic judgment. Personal credit stains will be kept for 5 years, and overdue records will be eliminated after 5 years from the date of repayment. \x0d\ Everyone should pay more attention to repayment, and repay in full and on time to avoid huge losses due to negligence.