Hello, as long as it is not overdue for more than three months, it can still be handled.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. The self-raised funds of more than 20% of the total price of the purchased house are guaranteed to be used to pay the down payment of the purchased house;

4. Use assets recognized by the bank as collateral or pledge, or use units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

Please refer to the above answers provided by Ronglian Ye Wei.