Now every corner of the world will find information about credit cards. Especially now with the network, the handling of credit cards is more convenient. But have you thought about whether the credit card can repay on time? If you don't repay on time, there will be the problem of overdue credit cards. So, can I borrow money to buy a house when the credit card is overdue? What about overdue credit cards?
Can I buy a house with a credit card overdue?
1. If the credit card is overdue, you can buy a house with a loan. However, if the credit card is overdue, first of all, there will be a 5% late fee for the low unpaid part and a full penalty interest on the bill, which will seriously produce a bad credit record in the credit investigation of the people's Bank of China, which will have a serious impact on the future loan to buy a house and a car.
2. If it is overdue for more than 6 times, or more than three months, or the bank still fails to repay after dunning for more than two times, the bank will freeze your credit card, and the customer will be included in the 'blacklist', so you can't handle credit cards and loans in the future. Generally, the term of 'bad record' is 5 years.
What about overdue credit cards?
Is it true that you can't borrow money if your credit card is overdue? In fact, it's not absolute. The following are several common non malicious overdue. The parties can communicate with the bank and issue a certificate. The details are as follows:
1. A third party acts as an agent, but the third party fails to repay on time as agreed in the contract, resulting in overdue payment. For example, the car dealer handles the car payment business, the mortgage business handled by the real estate developer, the agent and other third parties do not repay in time due to the reasons of the third party, such as misappropriating the money for other purposes, resulting in overdue payment.
2. After buying a house with personal loan and checking out for various reasons, the developer refunded the personal down payment, but failed to settle the loan in time.
3. An individual sells the mortgaged house, but fails to handle the transfer mortgage, and the overdue caused by the buyer's failure to repay on time is still recorded in his own name.
4. The unit fails to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.
5. Because the individual does not understand the provisions of the bank's repayment date, or the bank staff does not clearly inform the repayment date, or the bank does not inform the individual when the loan interest rate is adjusted or the repayment date is changed As a result, the individual failed to repay in time as agreed in the contract, resulting in overdue records in the personal credit report.