The credit card has not been repaid, which leads to personal credit problems and the inability to borrow money to buy a house.

According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower shall meet the following conditions at the same time:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

Extended data:

Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 40 Commercial banks shall not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers. The related parties mentioned in the preceding paragraph refer to:

(1) Directors, supervisors, managers, credit business personnel and their near relatives of commercial banks;

(2) Companies, enterprises and other economic organizations in which the personnel listed in the preceding paragraph invest or hold senior management positions.