According to the personal credit report, the number of overdue accounts is 1, which is overdue for one month within five years. Will it affect future loans such as mortgages?

It doesn't matter. Basically, the overdue of the current month only affects the current month. It doesn't matter if the credit information is updated next month. More than one and a half months, two months, 1 year, three months, two years will be related. Unless it's hacked by the bank, it's all right. One month overdue within five years has little effect on mortgage. As long as the arrears are settled, there is no problem in maintaining good credit information afterwards.

According to some commercial bankers in the city, from their daily examination and approval of personal credit, it is found that the personal credit stains in citizens' personal credit reports are mainly concentrated in these aspects.

Mortgage loan is not repaid on schedule and has overdue records.

Credit card overdraft consumption did not repay on time, resulting in overdue records.

After the interest rate of mortgage, consumer loan and other loans is raised, the monthly payment is still paid according to the original amount, resulting in insufficient repayment amount, and the resulting interest is overdue.

When a citizen provides a guarantee for a third party, the guarantor has an overdue record because the third party fails to repay the loan on time.

Personal credit report will also record some economic judgments of the court. Therefore, economic disputes such as debt will also affect credit records.

Extended data

Personal credit report plays an important role in many fields except applying for mortgage and credit card from banks. Credit records involve almost every major economic activity of individuals. Without a good personal credit record, many things may not be done.

Apply for a job

Some units have changed the political review materials into personal credit reports when recruiting, especially in banking, insurance, securities and other industries. Most of them require personal credit reports when recruiting. Some enterprises also require applicants to provide personal credit reports when recruiting financial personnel. In many places in China, personal credit reports have become an indispensable part of job application materials.

Take Hubei as an example. After the Hubei provincial government issued the "Administrative Measures for the Collection and Application of Personal Credit Information in Hubei Province (Trial)", not only some people have to provide personal credit reports when looking for jobs, but also they have to check personal credit reports even if they are advanced.

current account

Stock index futures investors also need to provide personal credit reports when applying for opening an account. According to people familiar with the matter, the financial futures exchange has asked futures companies to comprehensively evaluate the appropriateness of natural person investors in stock index futures, making it clear that "investors can provide personal credit reports or other credit documents for the past two months as proof of credit records".

The Credit Information Center of the People's Bank of China provides the social version of personal credit report inquiry for stock index applicants in futures accounts. A person from a futures company in the city said that when applying for a stock index futures account, the applicant will be given a comprehensive score, and if the personal credit report is tainted, 15 will be deducted.

rent a house

In order to understand the credit situation of the parties involved in renting a house and prevent the risk of renting a house, some lessors have asked the lessee to show their personal credit reports.

Some real estate agents said that some landlords have asked renters to provide personal credit reports. This move is mainly to let renters prove that they are more honest. First, they will not intentionally damage the facilities in the house, and second, they will not evade the rent.

References:

Personal Credit Report-Baidu Encyclopedia