1. credit record: overdue repayment will have a negative impact on personal credit record. When banks and other financial institutions approve loans, they usually check the credit status of borrowers, including overdue repayment records. If other credit operations are good during the overdue period, credit accumulation may be resumed.
2. Credit score: Credit score is a digital evaluation based on personal credit records. Overdue repayment may lead to a decline in credit score, and a low credit score may have a negative impact on loan application. Therefore, when buying a property, the bank may conduct a more rigorous review of the borrower's credit score.
3. Loan interest rate: overdue repayment may affect the loan interest rate. When banks evaluate loan applications, credit records and credit scores are one of the important factors that determine the loan interest rate. Overdue repayment may be regarded as a risk signal, leading to an increase in the applicant's loan interest rate.
Generally speaking, the overdue repayment of credit cards for two months will have an impact on the purchase of real estate three years later. The impact may be reflected in credit records, credit scores and loan interest rates. However, the specific degree of influence also depends on other factors, such as the credit performance during the overdue period and the overall credit status of the individual.
Extended data:
Overdue repayment refers to the failure to repay the minimum repayment amount or full repayment on time after credit card repayment. Overdue repayment will lead to a bad personal credit record, which will have an impact on future credit loan applications. Therefore, it is suggested that borrowers develop good repayment habits and ensure that credit card arrears are repaid on time to maintain their credit status.
It is worth noting that when answering this question, no other personal credit records and overall credit status information are provided. Therefore, the above answer only summarizes the general impact of credit card overdue repayment for two months on the purchase of real estate loans three years later. The specific situation may vary according to individual circumstances. If you are worried that overdue repayment will have an impact on the purchase of houses, it is recommended to consult banks or financial institutions to obtain personal loan approval information.