My brother buys a house, my sister is the guarantor, and the monthly payment is often overdue. Will the guarantor affect it?

According to the information you provided, my brother buys a house, my sister is the guarantor, and the monthly payment is often overdue, and the guarantor will have an impact. Specifically, the credit record of the guarantor may be affected, which will have a certain negative impact on its future lending activities.

The impact is mainly reflected in the following points:

1. Reduced credit score: As the borrower's credit guarantor, the guarantor's credit record is directly related to the borrower's loan situation. If the borrower's monthly payment is often overdue, it will be recorded in the guarantor's credit report, which will adversely affect his personal credit score. Low credit score may lead to difficulties in applying for credit products such as loans and credit cards in the future.

2. Credit record damage: As the borrower's credit guarantor, the overdue situation will be recorded in his personal credit report and become a part of his credit record. The negative impact of overdue records on credit records usually lasts for a long time, which may cause great obstacles to future lending activities or applications for other financial products.

3. Legal liability: As a guarantor, my sister may be liable for the repayment of the loan if the borrower fails to repay the loan within the time limit. The borrower's overdue behavior will make the guarantor face legal risks, and may be investigated for repayment responsibility, and even damage his personal credit status.

To sum up, as a guarantor, my sister will have a negative impact on my brother's frequent overdue monthly payments, and may damage his personal credit record and credit score. In order to get a more comprehensive understanding of personal credit, users are advised to query big credit data in order to obtain more accurate and detailed personal credit report and credit score information. This can help users find and improve bad credit situation in time, so as to better safeguard personal credit and financial situation.

Extended data:

Credit big data query is a method to collect, analyze and evaluate personal credit information through databases and algorithms with the help of modern scientific and technological means. Credit big data covers personal loan records, repayment status, credit card consumption records, social network activities and other data, which can reflect personal credit status more comprehensively. Through the credit big data query, users can know important information such as personal credit score, credit records and overdue records, and then better manage their credit and financial status.

Summary:

My brother buys a house and my sister is the guarantor. If the monthly payment is often overdue, my sister's credit history may be negatively affected. Overdue records will reduce my sister's credit score and credit records, which will have a negative impact on future lending activities. In order to better understand the personal credit status, users are advised to query the big credit data, obtain accurate personal credit reports and scores, and take timely measures to improve the credit status.

Note: The above answer is based on the inference of the overall influence of the guarantor. Due to the different contents and evaluation methods of personal credit report, the specific situation may be different. Users are advised to consult relevant institutions or professionals.