1. overdue status: you have been overdue for 13 months in the past 5 years, but the overdue days are no more than 90 days.
2. Influencing factors:
A. Credit evaluation: When banks and other financial institutions consider approving loans, they usually evaluate the applicant's credit status, including credit records.
B risk assessment: overdue records may be regarded as an indicator of the borrower's repayment ability, which may have a certain impact on the loan risk assessment.
3. The impact of the loan application:
A possible restrictions: overdue records may cause some financial institutions to have reservations about your loan application or demand higher interest rates or collateral.
B case evaluation: each financial institution has its own loan approval criteria, and your other factors (such as income, job stability, etc. ) will also have an impact on loan decisions.
4. Summary:
According to the information you provided, the overdue record may have a certain impact on your current loan to buy a house or a car. However, not all financial institutions will adopt the same approval criteria, so I suggest you consult a number of financial institutions to learn more about loan conditions and interest rates in order to make an informed decision.
5. Extended information:
Credit record is an important basis for evaluating personal credit status, especially in terms of loans. Timely repayment and maintaining a good credit record are the keys to establishing a reliable credit record. Banks usually comprehensively evaluate the credit risk of loan applicants according to credit history, income, debt ratio and other factors. In the decision-making of loans, banks are different, some may be more relaxed, and some may be more strict.