Within five years, if it is overdue for three consecutive times or accumulated for six times, the general bank will not lend money, but if it is overdue, the interest rate will be higher than the unexpired interest rate. If the overdue amount is not large once or twice, it is not a big problem. If the number of times or the amount is too large, it will affect your loan interest rate, and even some loans will not be paid. Judge according to your actual situation.