Is influential. \x0d\ Student loans are used for credit investigation, and overdue records of student loans will also be displayed on the credit investigation. Mortgage to buy a house needs to check his personal credit. \x0d\ Overdue repayment has produced a bad record, just like mortgage to buy a house. In this case, \x0d\ First of all, the bank will not refuse to lend immediately, but will judge whether to lend according to the number and length of overdue. For example, when consumers apply for unsecured credit loans from banks, the overdue times should not exceed the relevant regulations (generally, they should not exceed twice in the last three months, three times in the last six months and four times in a year). Personal income is relatively stable, and banks will also lend money. \x0d\ Secondly, if the overdue credit record reaches three periods, whether you apply for unsecured loan products or mortgage loan products from the bank, the success rate of obtaining loans is very low. Only by repaying overdue funds as soon as possible and re-establishing a good credit record can we qualify for bank loans after two years. The reason for this is that the general credit record only shows the situation in the last two years in the credit report. If good repayment habits are maintained within two years, the new credit record will be refreshed and replace the old negative record after two years. \x0d\ Finally, for users who are eager to use money, the above methods will not work. Only by applying for loans from institutions other than banks can we meet our own needs. It is understood that some small loan companies or guarantee companies have relatively relaxed many application conditions. For example, on the premise of paying off the arrears, loans can be obtained through mortgage or pledge or no bad records within six months. But relatively speaking, its interest rate is higher. \x0d\ Good personal credit information is very important. Generally speaking, credit information is updated every five years. After the overdue records are generated, good credit information records will be maintained within five years. After five years, those bad records will be deleted and updated, and personal loans will not be affected.