Personal credit report is required for provident fund loans, and the following original materials are required in addition to the personal credit report:

1, proof of buying a house;

2. Original and photocopy of the lender's ID card;

3. The original and photocopy of the house purchase contract and the copy of the down payment invoice;

4. Some original materials needed for loan credit evaluation, including diplomas, degrees, technical titles and qualification certificates.

The above is the relevant content of provident fund loans.

Term of provident fund loan

1. The term of provident fund loans for new houses (first-hand houses) cannot exceed 30 years; The term of second-hand housing loan cannot exceed 15 years;

2. The loan period for applying for individual construction or renovation shall not exceed 15 years.

Generally speaking, because applying for provident fund loans is more cost-effective than ordinary commercial loans, groups who have paid provident fund for a long time can apply for provident fund loans to buy a house. There is a time limit for using provident fund loans, generally speaking, it can't be more than 30 years, while buying second-hand houses can't exceed 15 years. This article is mainly about whether provident fund loans need to look at the knowledge points of credit information, and the content is for reference only.

Second, there are loans, pure provident fund, which are not shown in the personal credit report. Is it reasonable?

First, the provident fund loan records should be registered in the personal credit information system. If the repayment is made on schedule, there is no problem. If there is overdue repayment, it will be recorded in the personal credit information system. 2. According to the Regulations on the Administration of Credit Information Industry, personal bad information records will not be "lifelong" stains, but only have a "shelf life" of five years, so don't worry that the stains will affect your life. Previously, the bad personal information in the old version of the credit report that was officially put into operation in 2006 was "always displayed". The "Regulations" stipulate that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The information recorded by the credit information system includes positive and positive information, as well as some negative information. It mainly includes that after the loan relationship with the bank, the principal and interest are not repaid at the time required by the contract, and the default and repayment will be truthfully reflected in the credit record.

Third, there are loans and pure provident funds, which are not shown in the personal credit report. Is it reasonable?

First, the provident fund loan records should be registered in the personal credit information system. If the repayment is made on schedule, there is no problem. If there is overdue repayment, it will be recorded in the personal credit information system.

2. According to the Regulations on the Administration of Credit Information Industry, personal bad information records will not be "lifelong" stains, but only have a "shelf life" of five years, so don't worry that the stains will affect your life. Previously, the bad personal information in the old version of the credit report that was officially put into operation in 2006 was "always displayed". The "Regulations" stipulate that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The information recorded by the credit information system includes positive and positive information, as well as some negative information. It mainly includes the failure to repay the principal and interest according to the time required by the contract after the loan relationship with the bank, and the situation of default and repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit. According to the regulations, as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, a loan should be repaid on May 1 day, but it was not repaid until June 10, so the record will be deleted five years from June 10. Third, according to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. Do you need a credit report for a pure provident fund loan?

Provident fund loans will check the credit information.

There are explanations about provident fund loans:

1. Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund;

2. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans;

3. Explain in detail that the target of the provident fund loan is employees who have permanent residence in local towns, have established the housing provident fund system for more than 2 years and pay the housing provident fund according to regulations. In the purchase or construction of housing or renovation or overhaul of their own housing funds are insufficient, you can enjoy provident fund loans.