Detailed description:

1. Importance of credit record: Personal credit record is one of the reference bases for financial institutions to evaluate applicants' credit status. When considering whether to issue a mortgage, banks usually check the applicant's credit report, including repayment records and overdue conditions.

2. Affect the loan approval: If there are overdue records in the personal credit report, the bank may think that the applicant cannot fulfill the repayment obligation on time, thus increasing the risk of default. This may lead banks to be reluctant to approve mortgage applications, or demand higher interest rates and stricter conditions.

3. Loan interest rate and conditions: Even if the bank agrees to approve the mortgage, overdue records may lead to an increase in loan interest rate or the need to provide more guarantee measures. Banks hope to protect their own interests by reducing risks, so they may take measures to make up for potential losses.

4. Impact on credit rating: Overdue records will have a negative impact on personal credit rating, thus affecting future credit lending ability. The lower the credit rating, the higher interest rate and stricter restrictions may be encountered when applying for other loans or credit cards.

Summary: Personal credit overdue will have a direct impact on mortgage. Banks will check the applicant's credit report when considering whether to approve the mortgage loan. Overdue records may lead to loan rejection or stricter conditions. In addition, even if the loan is approved, the overdue record may lead to an increase in the loan interest rate or the need to provide more guarantees.

Extended data:

Credit information system is a tool used by financial institutions in China to evaluate personal credit status. The credit report contains personal credit record information, such as loan repayment, credit card use record, overdue record, etc. This information has an important impact on credit activities such as loan application, mortgage and car loan. The bank evaluates the credit risk of the borrower according to the credit report, so as to decide whether to approve the loan and loan conditions. Therefore, it is very important to maintain a good personal credit record. In case of overdue, we should communicate with creditors as soon as possible, seek a reasonable solution, and ensure timely repayment to reduce the negative impact on credit investigation and loan application.

Note: The above contents are for reference only, and the actual impact may vary according to regions, institutions and specific situations. It is recommended to consult professionals in actual situations to obtain accurate information and suggestions.