If the online loan is overdue, it is not allowed to make provident fund loans. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The conditions of provident fund loans are as follows: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans; 2 to participate in the housing provident fund system, to apply for housing provident fund personal housing loans, but also must meet the following conditions, that is, the continuous deposit of housing provident fund before applying for loans for not less than 6 months. If the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans; 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families; 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund; 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Second, the online loan I applied for with the provident fund is overdue. Will they mention my provident fund?
To apply for provident fund loan, you need to bring materials: ① loan applicant, spouse, * * co-borrower, property owner's ID card, original and photocopy of household registration book, and provident fund account number. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price; (4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function; ⑥ Copy of the auction house pre-sale permit or existing home production certificate; ⑦ Original pre-sale contract or existing home sales contract; (8) The business license, qualification certificate, copy of the ID card of the legal representative of the real estate developer and the collection account number of the real estate developer or agent. If you want to apply for a loan, we recommend /aoxexu, 1 to connect with a number of banks, which can help you evaluate and match institutions for free and help you choose the loan products with the lowest interest rate and the highest amount, without charging any fees.
3. Can I still apply for provident fund loans when online loans are overdue?
What can you do? If your online loan amount is relatively large, you will definitely blacklist children. If you sell Wang Qi, who can get a loan from the bank? Even if you have a provident fund, you can't borrow money. But if there is no credit blacklist, there will be no problem.
Fourth, can you still make provident fund loans after online lending?
It shouldn't matter if you don't get a loan from the bank. The main factors that affect the provident fund loan are your provident fund amount and your income. If so, you just need to pay back the online loan before applying. As long as the repayment is made on time and the credit is good, the loan will be fine. Don't be overdue, because there is a high probability that it won't pass.