Overdue credit cards will cause bad credit records for employees and affect employees' handling of provident fund loans. One of the conditions for handling provident fund loans is to require employees to have a good credit record. Judging from the actual situation.

Conditions for housing commercial loans to provident fund loans:

The borrower applying for a loan shall meet the following conditions at the same time

(a), according to the provisions of the municipal housing provident fund management to apply for loans, housing provident fund has been paid in full for more than 6 months (or 3 months), and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers.

(II), purchase, construction, renovation, overhaul, decoration of urban self-occupied housing or public housing use rights and immediate family members living with the owner or user of the house;

(three), a stable income, good credit, the ability to repay the loan principal and interest;

(four), with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;

(five), to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management center;

(6) Other prescribed conditions.

Second, personal preparation materials:

1, personal provident fund loan application approval form;

2. The applicant's identity card or valid identification certificate;

3. The applicant's spouse's ID card or valid identification certificate;

4. The identity card or valid identity certificate of the applicant's auxiliary repayment person;

5, the applicant and spouse, auxiliary repayment household registration book;

6. The applicant's marriage certificate or marriage relationship certificate;

7. Work and income certificates of the applicant, his/her spouse and the auxiliary repayment person;

8. Power of attorney for loan fund allocation;

The above materials are in triplicate.

Three, commercial loans to public funds loan preparation materials:

1, house purchase contract;

2. Loan contract for commercial loans;

3, the last three months of commercial loan repayment certificate;

4. The loan balance certificate and the lender's ID card issued by the commercial bank;

5. Household registration book;

6. Marriage certificate;

The above materials are in triplicate.

4. Will overdue credit cards affect housing provident fund loans?

China's credit card records show the monthly repayment information of the last 24 months from the inquiry date. Bad records within 24 months can be found out which year and which month are overdue. Records before 24 months will not be reflected monthly, but will be kept for 5 years and will not be displayed.

General banks only check personal credit information in the first 24 months. If there is no bad record in these 24 months, it should be no problem.

Whether banks handle loans for borrowers with bad credit records mainly depends on the number of bad credit records of borrowers. According to the regulations of many banks at present, the standard of "3 times in a row and 6 times in total" is currently adopted.

The influence of bad credit record on the borrower's loan can be divided into three situations: one is to reduce the borrower's loan ratio; The second is to make the borrower's loan interest rate rise; Third, banks will not accept loans from borrowers with serious bad credit records.