Generally speaking, one overdue credit card will not affect the mortgage. If the cardholder is unintentional and repays the arrears as soon as possible after the deadline, he can ask the issuing bank to explain the situation and ask for a "non-malicious overdue certificate". With this certificate, even if the cardholder has an overdue record, it will not affect the application for mortgage loan.

In addition, the bank has also opened a time-sensitive repayment function for credit card users. If the cardholder repays within three days after the latest repayment date, it will be counted as timely repayment, and it will not be recorded in the personal credit record after the deadline. If the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank and apply for cancellation of the overdue record. It is also feasible, provided that the amount is not too large.

If the cardholder's credit card is overdue for more than three days, but it is not serious, nor has it reached the level of "overdue for three consecutive months or six times", and the overdue amount is not large and it is returned in a short time, it will not have much impact on the mortgage. However, the loan interest rate will increase or the approved loan amount will decrease.

The longer the credit card is overdue, the greater the overdue amount, and the greater the impact on applying for a mortgage. Generally, if the credit card is overdue for more than 90 days, the bank will think that the cardholder is maliciously overdue and then apply for a loan, which is very likely to be rejected directly. If the cardholder is overdue three times in a row or six times in two years, he will not be able to get a mortgage loan.

Extended data:

Mortgage is divided into:

1, housing loan

Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Personal housing entrusted loan refers to the loan issued by the bank to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

2. Self-operated loans

Personal housing self-operated loan is a loan issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

2. Portfolio loan

Personal housing portfolio loan refers to a loan issued to the same borrower by using housing provident fund deposits and credit funds to purchase self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Credit card has a bad record, will it affect the mortgage?

Bad credit card records have a certain impact on the mortgage, and the repayment has been completed, with little impact.

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 will be the down payment for buying a house;

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 17 of the Measures for the Administration of Individual Housing Loans: If real estate is used as mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract, and go through the mortgage registration formalities at the department specified by the local people's government at or above the county level before the loan. The relevant contents of the mortgage contract shall be determined according to the provisions of Article 39 of the Guarantee Law of People's Republic of China (PRC).

Article 18 During the mortgage period, the borrower shall properly keep the mortgaged property, be responsible for repairing, maintaining and ensuring its integrity, and accept the supervision and inspection of the lender at any time. Before the expiration of the mortgage period, the lender shall not dispose of the mortgaged property without authorization.

If the credit card is overdue, will the future housing loan be affected?

Overdue credit cards have a certain impact on subsequent home purchase loans. When handling a house purchase loan, the bank will check the personal credit information of the lender. If it finds bad information such as overdue credit cards, it will evaluate the borrower's loan qualification, which will affect the loan approval.

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, with urban permanent residence or valid residence status;

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

3. There is a purchase contract or agreement;

4. If there is no housing subsidy, not less than 30% of the total price of the purchased house shall be used as the down payment for the purchase; If there is a housing subsidy, 30% of the personal commitment will be the down payment for buying a house;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lender.

Extended data:

"Measures for the Administration of Individual Housing Loans" Article 35 If the borrower is under any of the following circumstances, the lender shall investigate the borrower's liability for breach of contract in accordance with the relevant provisions of the General Rules for Loans of the People's Bank of China:

1. The borrower fails to repay the loan principal and interest on schedule;

2. The borrower has provided false documents or information, which has caused or may cause loan losses;

3. Without the consent of the lender, the borrower dismantles, sells, transfers, donates or repeatedly mortgages the mortgaged or pledged property or rights;

4. The borrower arbitrarily changes the purpose of the loan and misappropriates the loan;

5. The borrower refuses or obstructs the lender to supervise and inspect the loan usage;

6. The borrower signs contracts or agreements with other legal persons or economic organizations that are detrimental to the rights and interests of the lender;

7. The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral is not enough to pay off the principal and interest of the loan due to accidental damage, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new collateral (pledge) according to the regulations.

Can I borrow money to buy a house if my credit card is overdue once?

It will have an impact. Overdue credit card records will affect your credit information, while house purchase loans will review your credit information, so overdue repayment will generally affect your mortgage.

If an individual has a record of non-performing loans, it shall be kept on the credit report for no more than 5 years from the end of the bad behavior or event.

If the cardholder forgets to repay, he can apply for timely repayment. Timeliness repayment refers to the cardholder's repayment 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 the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank and apply for cancellation of the overdue record. It is also feasible, provided that the amount is not too large.

：

Credit card, also known as debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards usually refer to credit cards.

First of all, banks will refer to the overdue times of individuals in the past two years when approving loans.

Under normal circumstances, if the husband and wife are overdue for three consecutive times or six times in two years, it will be difficult to get a loan.

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

1. Only one or two credit cards are overdue.

Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first situation mentioned above.

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

2. The credit card is overdue for three consecutive times or six times in two years.

Generally speaking, banks will refer to the number of overdue loans in the past two years when approving mortgage loans. Under normal circumstances, if one spouse fails to repay the loan three times in a row or six times in total, they will not be able to get the loan. 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 there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.