One spouse has overdue credit, which has an impact on the loan to buy a house; 1. Both husband and wife apply for mortgage at the same time. After accepting the application, the bank will also check the credit status of both husband and wife. Any party's overdue will affect the mortgage application. Every bank has different requirements for credit reporting. If the borrower's overdue situation is not serious, then the bank will consider lending money to him as appropriate. 2. Conditions for buying a house by loan: buying a new house: ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (if married, provide information on both husband and wife). Conditions: as long as there is a stable income and bank account, as long as there is a monthly payment, the monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment is 2,000 yuan, and the monthly income needs to be around 4,000 yuan. Buying a second-hand house: ID card, household registration book, marriage certificate, income certificate, and bank running water. The conditions are the same as those of a new house: as long as the bank has stable income and running water, as long as there is running water every month, the monthly income on the income certificate needs to be twice that of the monthly payment. For example, the monthly payment is 2,000 yuan, and the monthly income needs about 4,000 yuan. Generally, banks do not have overdue credit inquiries.

Legal objectivity:

Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 669 of the Civil Code: When concluding a loan contract, the borrower shall, according to the requirements of the lender, provide the true information about the business activities and financial situation related to the loan. Article 672 of the Civil Law: Lenders may inspect and supervise the use of loans as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.