If you go to the credit, you can find the provident fund loan in the credit record, but you can't find it without the credit record.
Second, can the bank credit record check the provident fund loan record?
Yes, any bank loan can be found. When a property buyer applies for a provident fund loan, the provident fund center will review the credit report of the borrower and spouse, and the loan will be refused in the following four situations: 1, and the loan or credit card in either party's credit report is currently overdue; 2. In the past two years, a single loan has been overdue for three or more consecutive periods or accumulated for six or more periods; 3. In the past 2 years, the credit card has been overdue for 3 consecutive times or more; 4. Due to bad credit. Among them, if the loan or credit card is currently overdue, and the borrower has paid off the arrears and can provide proof of bank repayment, he can apply for a provident fund loan.
Third, can the provident fund buy a house for credit reporting?
Provident fund loans will look at credit reporting. Provident fund loans need to be strictly examined in personal credit report. Provident fund loans usually involve a large amount. Lending institutions can check whether the borrower has the ability to repay the principal and interest and whether the user has overdue behavior by inquiring about personal credit information. Some provident fund management centers look at personal credit reports in the past five years. The stipulated time varies from place to place, and the provisions of the local provident fund management center shall prevail.
Four or two years ago, it was overdue for eight times, but the credit report I went to in the morning was normal. Can I use the housing provident fund loan?
Personal credit record details only show the records of the last 24 months, but there are also records of "accumulated overdue time" and "longest overdue time". These records show all your previous personal credit records. If all these contents are normal, there will be no problem.