Under normal circumstances, credit cards are overdue to apply for loans from banks. Although there is a car as collateral, the bank will let you pay back the overdue money first.

Car mortgage conditions:

1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.

2. Have stable professional and economic income principal and interest.

3. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.

4. Open a savings account in a loan bank.

5. Willing to accept other conditions stipulated by the lending bank.

According to the degree of overdue credit, it can be roughly divided into the following two situations:

1. Only one or two credit cards have expired.

Refusing to lend, but it is possible to raise the loan interest rate appropriately, is the first situation mentioned above.

Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential treatment when applying for loans in some banks, so choose the one with the lowest interest rate.

2. The credit card has been used for more than 3 consecutive times or accumulated for 6 times in two years.

Generally speaking, banks will refer to the number of overdue loans of individuals in the past two years when approving mortgages. Generally, loans will not be obtained if the repayment is due or overdue for six times.

It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and it has been repaid continuously for three months; The overdue happened again, and it happened six times.

If the cardholder forgets to repay, apply for timely repayment. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline.

If the cardholder repays after the time allowed by the bank, he should immediately submit "OK", and the overdue record of applying for cancellation is too large.

Usually, bad credit records will be deleted after 5 years, even if it is unintentional, it will not be eliminated within 5 years, so pay attention to your credit records.

Pay attention to overdue credit cards. If the credit card is overdue once, as long as it is repaid in time, it will have little impact on the loan. The bank has 13, which will affect the loan:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3, car loan monthly supply tired

4. If the loan interest rate is raised, the "monthly payment" will still be paid according to the original amount.

5. Water, electricity and gas charges are not paid on time.

Because.

7. The student loan is in arrears.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.

9. No credit card overdraft or mortgage loan.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, personal credit report will also record some economic judgments. Therefore, the same is true of debt and other economies.

12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;

13. A copy of the certificate generated a credit card arrears record.

The above-mentioned 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and the time is not long, the bank will still give preferential treatment. But in some cases, overdue for more than three times will affect the loan.

2. Can I get a loan if my credit card is overdue for three months at a time?

You can't apply for a loan if it is overdue for more than 3 months.

I. Credit requirements:

1, 3 months cannot have 1(3 months cannot have 1 overdue times).

2, half a year can't have 2 (half a year can't have 2 overdue)

3. It is not allowed to be late for three times in a row in the past 24 months (24 months means that it cannot be late for three times in a row and accumulated for six times in two years).

Two, the credit problem is divided into two situations: observation and prohibition.

1. If the borrower belongs to the observation category, it is acceptable to increase the down payment and submit additional supporting materials.

Come for a loan

2, and not entering means that the bad record belongs to the more serious kind, and the borrower's loan application will no longer be accepted unless 5

There was no bad record this year.

3. The bank divides the overdue situation of customers into several grades, such as Grade I (forbidden), Grade II (secondary) and Grade III.

(defect

Defect), level 4 (normal):

1. Forbidden category means that customers cannot obtain credit, including loans and credit cards, the same below; The standard is generally the latest 24.

A month at most.

High overdue for more than 60 days, accumulated overdue for more than 6 times (also 9 times) or current account.

Abnormal family status, including overdue, freezing, debt repayment with assets, guarantor compensation, etc.

2. Sub-grade: cautiously extending credit to customers, with the maximum overdue of 365,438+0-60 days in the last 24 months, totaling 3-6 times or more.

The account status is normal.

3. There is a defect and a slight breach of contract, but it is not enough to affect the repayment, and credit can be granted, and it is overdue in the last 24 months.

Within 30 days, or within 3 times.

4. During the normal period, relatively excellent customers have no overdue or inquiry records in the last 24 months.

3. Can't I get a loan after my credit card is overdue?

Credit card overdue repayment will be recorded by the central bank, but it does not mean that you cannot apply for bank loans. Different banks have different tolerance for overdue. But generally speaking, there is a common standard that can refer to "three times in a row and six times in a row", that is, three times in a row or more than six times in total. If you apply for a mortgage, this requirement may be more stringent.

Pay attention to the following points when the credit card is overdue:

Occasionally, friends who are overdue for a short time can take the initiative to contact the bank after paying off their debts, so that the bank can issue a non-malicious overdue certificate, which is useful at critical times.

The overdue records shall be kept for 5 years from the date of paying off the debts, and will be cleared automatically after 5 years. However, if left unchecked, overdue records will still exist after 5 years.

At present, most banks only look at the overdue records within two years, so if they are overdue, they will maintain good habits for two years after paying off their debts, and the loans will still be unaffected.