First, overdue credit cards have a certain impact on loan applications. The overdue credit card three years ago will have a certain negative impact on the credit record, which may lead to higher loan interest rate or the need to provide more guarantee measures.
Second, loan approval is related to the overall credit status of individuals. In addition to overdue credit cards, banks will also consider other credit information of applicants when approving loans, such as repayment records and personal income. If the personal credit status has improved in the past three years, such as maintaining a good repayment record and a stable source of income, the chances of loan approval will be greater.
Third, the loan approval standards of different banks are different. Different banks have different loan approval standards, so the loan application results will be different. It is recommended to consult a number of banks to understand their audit requirements and loan conditions for overdue credit cards.
Generally speaking, although the overdue credit card will have a certain impact on the housing loan, it does not mean that the loan cannot be used for housing purchase. If the personal credit status improves and meets the bank's loan approval criteria, it is still possible to obtain a house purchase loan.
Extended data:
1. Credit record refers to the record of credit behavior and related information formed by individuals in financial transactions. Credit records, including loan records, credit card repayment records, overdue records, etc. , is an important basis for evaluating personal credit status.
2. The loan interest rate refers to the fees charged by banks for providing loans, usually expressed in an annualized way. The loan interest rate directly affects the loan cost, and high interest rate will lead to an increase in repayment amount.
3. Guarantee measures refer to additional guarantees that need to be provided during the loan process to reduce the risks of banks. Guarantee measures can be collateral, guarantor or other forms of guarantee, which can improve the approval rate of loans.
The above is the answer about whether the credit card is overdue for three years and can be loaned to buy a house. Although the overdue credit card has a certain impact on the loan application, if the personal credit status improves and meets the bank's loan approval criteria, it is still possible to obtain a house purchase loan. It is recommended to consult a number of banks to understand the review requirements and loan conditions of overdue credit cards, so as to improve the chances of successful loan application.