First of all, overdue records are very important indicators for financial institutions such as banks to review personal loan applications. Overdue records show that the borrower failed to repay on time within the past repayment period, which will have a negative impact on personal credit score and credit record. Even if there are only 1 overdue records of more than 90 days, banks will take this into account when reviewing loan applications.
Secondly, personal credit score is very important for loan purchase. Credit score is a comprehensive value based on personal repayment records, loan amount usage, credit card usage and other information. Overdue records will reduce personal credit score, and then affect the loan application pass rate and interest rate level. Although only 1 is overdue for more than 90 days, the bank will seriously consider this point.
Finally, I suggest you go to Qingquan to check the credit big data. Green Dog Quick Check provides a convenient and quick way to query personal credit records and credit scores. By querying credit big data, you can know your credit status, including overdue records and other factors that may affect the loan to buy a house. This will help you better understand your credit status and take appropriate measures to improve your credit score and the pass rate of loan application.
In short, according to the information provided, I can't say for sure that you can borrow money to buy a house, because overdue records will have a certain impact on the loan application. It is suggested that you check the Green Dog Quick Check to get more detailed personal credit status, and take corresponding actions to improve the credit status according to the query results.
Supplementary information: Domestic banks usually consider a number of factors to review loan applications, including personal income, professional status, loan purpose and credit history. Overdue record is one of the important factors, but it is not the only decisive factor. If you have other advantages, such as good income, stable job and security, etc. It is still possible to buy a house with a loan. However, please note that the specific results need to be determined according to personal circumstances and bank policies.
If necessary, you can also consult the relevant personnel of specific banks, and they will give more accurate and specific answers. Your credit situation needs constant attention and management. Correcting overdue records in time and maintaining good repayment habits will help improve your credit score, thus making it easier to obtain loans and obtain more favorable interest rates.