Need to check the credit.
Housing provident fund handling conditions:
Individuals and their units must continue to pay housing provident fund for one year;
The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;
After receiving the application, the loan bank shall confirm and review the information;
After the audit, the loan bank contacts the lender and signs the relevant contract;
For bank loans, the lender shall fulfill the repayment obligation.
2. Is there any provident fund loan information in the personal credit report?
Provident fund loan records will be recorded in the credit report, which will record all personal loan repayment records. There are several types of loan repayment recorded in the credit report: personal credit card overdraft payment repayment record; Personal credit loan amount and repayment records, such as provident fund loans, social security loans, policy loans, etc. ; Repayment records of personal mortgage loan, house mortgage, car mortgage, etc.; Repayment records of houses and cars mortgaged by individuals; Personal traffic peony card violation fine record, credit card refueling record.
3. Is there a record of provident fund deposit in the personal credit report?
Legal analysis: There is a record of provident fund deposit in the personal credit report. Credit information sources Credit institutions collect information from sources that generate credit information. Specifically, credit information mainly comes from the following two types of institutions: 1. An institution that provides credit business. Mainly commercial banks, rural credit cooperatives, companies and other specialized institutions that provide credit business. 2. Other institutions. Including individual housing provident fund center, individual pension insurance and other institutions. In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business.
Legal basis: Article 14 of the Regulations on the Administration of Credit Information Industry in People's Republic of China (PRC) prohibits credit information agencies from collecting personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations. Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.
4. Does the credit investigation have an impact on the review of provident fund?
Credit information will definitely affect provident fund loans. Personal credit information is one of the information that will be referred to when reviewing provident fund loans. It depends on your overdue situation.
Housing provident fund loans have the following requirements for credit reporting:
1. The applicant lender or spouse has outstanding overdue loans; Shall not lend housing provident fund;
2. If the credit card overdraft of the loan applicant fails to repay on time, the housing provident fund will not lend;
3. The reason for the overdue repayment of credit cards in the credit record is that the annual fee has not been paid and there are no other overdue transaction records, so you can borrow the housing provident fund;