来源:股城网 | 2022-03-07 11:37:37 |
信用卡作为当今社会的一种新型信用产品,受到广大用户的欢迎,许多年轻人刚进入社会时选择开通信用卡。那么信用卡逾期会影响房贷吗?影响征信吗?
据悉,信用卡逾期是会影响房贷审批的,但是,至于影响的程度需要根据逾期的情况来衡量。一般情况下,在办理房贷的时候,银行会看申请人近两年的信用状况。如果申请人在两年内出现连续三次逾期或者累计六次逾期,是无法申请房贷的。
若逾期超过三天就会影响征信。一般来说,银行将为大多数持卡人设定三天的容时期,以避免用户因忘记还款而受到严重惩罚,因此,在这三天内,只要用户能够正常还款,就不会影响征信,但一旦超过三天,则将直接记录在征信报告中。
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