The requirements are not very high.
If you only forget to repay the loan occasionally, it will not have much impact on the future provident fund loans. The requirements of provident fund loans for credit reports are:
1.？ The loan applicant or his spouse has outstanding overdue loans; Is that you or your wife didn't pay off the loan;
2. The borrower's quasi-credit card or credit card overdraft is overdue; That is, the use of bank cards or credit cards is overdue;
3 in the past 2 years, the loan applicant's loan (excluding student loan) has been overdue for 6 consecutive periods; ?
As long as the overdue personal credit card is not particularly serious, it will generally not affect the provident fund loan. You can refer to the above three items.
2. What are the requirements of provident fund audit for credit reporting?
Provident fund audit has requirements for credit reporting. If there is a problem with personal credit information, it is usually not approved to apply for a house loan from the bank with the provident fund, so the provident fund audit has requirements for credit information.
Third, the provident fund credit requirements
The requirements of general provident fund loans for credit reporting are: 1. No excessive debt. 2. The borrower and his spouse have no serious overdue behavior. They can't have too many outstanding loan records in their credit records. Is the borrower and his spouse, and cannot have a serious credit card or loans overdue record. If the borrower uses the credit card three times in a row or six times in two years, it is very likely that the loan will be rejected directly. In order to eliminate overdue records, cardholders need to continue to use credit cards and repay on time. After two years, the previous bad records can be covered with good credit records, and after five years, they can be completely eliminated. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times. Regarding whether the credit rating of provident fund loans is strict, it should be noted that the following conditions must be met when applying for provident fund loans: 1. The borrower is a China natural person with full capacity for civil conduct; 2. When applying for provident fund loans, an account has been opened and remitted in full, and the period is not less than the period announced by the management center regularly; 3. There is a legal and valid house sales contract or a certificate that the relevant department has approved the construction or repair of the house; 4. The down payment for house purchase shall not be less than the specified proportion; 5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability; 6. The purchased land for housing construction is state-owned land; Take the house purchased, built or repaired as collateral. After the revision of the new credit report, you should know that the credit report will show the credit records of the past five years, but the provident fund loans will not look at the credit information of the past five years in detail, and the focus will be on the credit situation of the past two years. Therefore, if the bad credit record two years ago has little impact on the provident fund loan, what happened in two years should be analyzed in combination with the specific situation. General provident fund loan approval focuses on these sectors, such as personal basic public information, credit balance and usage, inquiry records, etc.
4. Is the provident fund loan a bad record in a few years? Last year, I checked it seven times, and once it was three times in a row. I wonder if I can approve it. Do you know that?/You know what?
It has nothing to do with whether it is a provident fund or not. Bad record query is to query all records, with no time limit. Bad records also depend on what gets a second or higher category. Needless to say, once it is three times, it is basically impossible to approve it. You haven't explained the details of your defect. If you want to know the exact answer, please write it down and ask them if you can approve it.