It will affect it. There is no grace period for ABC's mortgage repayment, and it will be overdue as long as it is one day late. And bank loans, as long as overdue, will be credited. After the overdue mortgage record is recorded, it has a great impact on users. However, if the user settles the overdue debt soon after the overdue, the negative impact of overdue records can be reduced. The longer the overdue period, the greater the negative impact on credit reporting, and the stricter the subsequent review of credit reporting applications.

Definition of personal loan:

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

Definition of overdue loans:

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Definition of credit report:

Credit pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.