Second-hand housing loans in addition to the income certificate and bank flow assessment, credit is a very important assessment project. Married families should evaluate the credit information of both husband and wife. If the credit card is overdue for no more than three or six times in a row within two years, or if there is no significant amount overdue, you can borrow money;

However, if one of the spouses has a serious bad credit report, the couple can't get a loan. I suggest you go to the bank to type two people's credit reports first. If the overdue period is not serious, you can apply for a second-hand housing loan.

In addition, the general credit card will be covered by new records after five years overdue, and there may always be a record of card withdrawal after five years. I suggest you check the credit report first and make a decision according to the report.