好英语网【中文版】
房贷是一种常见的贷款方式，但是房贷逾期还款会带来很多影响。如果逾期次数超过6次，将会产生以下影响：
产生罚息：银行将会对逾期还款收取罚息，这将使还款金额增加。
影响个人信用：逾期还款将会被记录在个人信用报告中，这将会影响个人信用评级，进而影响未来贷款申请的成功率。
被催款：银行将会通过电话、短信、信函等方式进行催款，这将会给借款人带来很多麻烦和压力。
房子被拍卖：如果逾期次数过多，银行可能会采取法律行动，将房子进行拍卖，这将会给借款人带来很大的损失。
因此，房贷逾期还款将会产生很多不利影响。如果因为某些原因导致无法按时还款，应该及时与银行沟通并申请延期还款或分期还款等方式，以避免这些不利影响的发生。
【英文版】
A housing loan is a common way to borrow money, but an overdue repayment of the loan can have many impacts. If the number of overdue repayments exceeds 6 times, the following impacts will occur:
Penalty Interest: The bank will charge interest on the overdue repayment, which will increase the repayment amount.
Impact on personal credit: An overdue repayment will be recorded in the personal credit report, which will affect the personal credit rating and further affect the success rate of future loan applications.
Being urged to repay: The bank will use phone calls, short messages, letters, etc. to urge the borrower to repay, which will bring a lot of trouble and pressure to the borrower.
Property auction: If the overdue repayments exceed a certain number, the bank may take legal action and auction the property, which will cause great losses to the borrower.
Therefore, an overdue repayment of a housing loan will have many negative impacts. If for some reason it is impossible to repay on time, it is necessary to communicate with the bank in a timely manner and apply for an extended repayment or installment repayment, etc., in order to avoid these negative impacts.
