It may affect the housing transaction. If the credit is overdue, the overdue result will be included in the personal credit report, which will have a very negative impact on the parties' subsequent application for other types of loans, including housing loans.
 Does overdue credit affect housing transactions?
 It may affect the housing transaction. After being sued to the court by the online loan platform, the court did not execute the judgment for repayment. After the online loan platform applied to the court for compulsory execution, when accepting the compulsory execution, it will query the real estate, vehicles, securities and deposits under the name of the lender according to law. If the bank sues the court that it is unable to repay, the court can enforce and inquire about the property under the debtor's name, and if there is any enforceable property, it will seal up or auction it; If you have not yet bought a house, it will affect the loan to buy a house.
 What if the company's employee credit is overdue?
 Cardholders can apply with the credit card center for deferred repayment, installment repayment or reduction of a certain amount of liquidated damages. If both parties cannot reach a consensus on deferred repayment or installment repayment through consultation, the parties can solve the problem through mediation, arbitration, litigation and other means. If the interest rate given by the credit card center is four times higher than the market quoted interest rate of one-year loan when the contract is established, the party concerned can apply for confirmation that the excess part is invalid.
 Does the overdue husband affect the wife's credit?
 The husband's overdue loan may affect the wife's loan. Some loans are made by both husband and wife as co lenders, such as housing loans. In this case, if one of the husband and wife is overdue, the loan application will be affected. However, if it is a personal credit loan, generally speaking, the overdue situation of one party will not affect the other party.
 When a couple applies for a loan, the loan institution may pay more attention to the following information:
 1. Credit information of both husband and wife.
 2. Family income.
 3. The debt ratio of the whole family.
 4. Whether there is appropriate borrowing demand.
 5. Historical borrowings of both parties.
 Therefore, in daily life, customers need to pay attention to keeping good credit records and not overdue, not to bring too heavy debt pressure to families, and not to affect future credit activities.
 Before applying for a loan, it is important to comprehensively consider the affordability of the family. If you borrow blindly, the family may fall into debt. This is not a good thing.
 If there is any unclear or new situation, we suggest you directly ask questions online to understand the situation of the communication case. The idle lawyers of the intelligent matching platform will give you detailed and targeted answers, and try to explain the general situation to avoid incorrect answers due to incomplete information and poor communication. I wish success in safeguarding human rights.