The number of days that China Merchants Union Financial has defaulted on a loan will have an impact on refinancing. The specific situation is as follows:

1. If China Merchants Union Financial only defaults for a few days, it will generally not have much impact on refinancing. Lenders may make appropriate adjustments, but typically will not deny an application for a second loan outright.

2. If China Merchants Union Financial defaults on the loan for a long time, exceeding the grace period or default period stipulated in the loan contract, it will have a greater negative impact on refinancing. The lender may consider it a higher credit risk and may reject the application for another loan.

3. Before dealing with the problem of defaulted loans, it is recommended to actively communicate with the lending institution. Provide detailed explanations and solutions to minimize negative impact on refinance applications.

Summary: The number of days in arrears on the loan of China Merchants Union Financial will have an impact on refinancing, but the specific impact depends on the number of days in arrears and the lending institution's policy. Actively communicating with lenders and providing reasonable explanations and solutions can reduce adverse effects.

Extended information: If the lending institution believes that the borrower has a higher credit risk, it may reject the application for another loan. In China, lending activities are regulated by the Contract Law and other relevant laws and regulations. According to relevant regulations, borrowers must repay their loans on time. If overdue repayment occurs, the lender has the right to take appropriate legal measures to recover the debt. Therefore, it is recommended that borrowers abide by the contract and repay the loan on time to maintain a good credit record.