If you apply for twenty or thirty loans, and two of them are overdue, but they are all paid off, it will affect the housing provident fund loan.
First, why will it affect housing provident fund loans?
First of all, if you apply for twenty or thirty loans, the bank will think that you have no repayment ability and are very short of money, so the bank will not lend you any money at will. Before agreeing to the loan, the bank will check the borrower's personal credit record and loan record. If your loan record amount is relatively small, such as hundreds or thousands of dollars, then the banking system will think that your spending power and income power are very poor. Even if I lend you money, it may be overdue in the future. Normal repayment will be considered as low consumption power, not to mention overdue situation, which is absolutely not recognized by banks. If it is overdue, it is very impossible to apply for a credit card from the bank, let alone apply for a loan.
Second, don't apply for loans at will like online lending platforms.
We apply for a loan on the online platform at will, and it will also be found by the bank system. These loans are recorded. Once the number of loans is relatively large and the amount is relatively small, banks will think that their spending power is low. Therefore, it is suggested that if you are not particularly short of money, you should not apply for a loan on the online lending platform, which will affect your personal credit information.
Third, summarize.
You should think twice before you borrow money. It doesn't mean paying off the loan or not paying it back. For example, your friend always lends you a few dollars, but suddenly lends you several hundred dollars. You must think that he can't repay it, so you don't want to lend it to him. This is the same reason, even if you put it on yourself, it will be like a bank. Therefore, everyone must maintain a good credit record, so as not to affect their lives and loans.
The flowers are overdue, and the staged music is overdue, but they are all paid off. How much can the provident fund loan borrow?
Flowers and installment music are overdue, but they have been settled. After meeting all the loan conditions of the provident fund, you can try to apply for a provident fund loan. As long as the previous loan is paid off, the user's debt ratio is definitely relatively low, which is conducive to the user's loan approval. In addition, users' previous loans can be paid off, which shows that users have strong repayment ability and can also help users pass the provident fund loan review.
Users are allowed to have some liabilities when applying for provident fund loans. As long as the bank does not require the user to pay off the debt in advance, this part of the debt can be repaid according to the original repayment plan.
I suggest you go to Eagle Heart to check your comprehensive credit score of big data first. The higher the score, the greater the probability that the loan will pass.
Extended data:
Provident fund loan conditions
1, with full capacity for civil conduct and legal and valid identity documents.
2. The housing provident fund has been paid in full and continuously for more than 6 months (inclusive).
3. Have a stable professional and economic income and the ability to repay the principal and interest of the loan on time. The borrower and co-borrower shall not repay all the principal and interest of the debt more than 50% of the monthly legal income of the family. The monthly income of borrowers and co-borrowers is based on the deposit base of housing provident fund plus the monthly deposit amount of housing provident fund; If co-borrower fails to pay the housing provident fund, it is required to issue a valid income certificate and proof materials.
4. Good credit status.
5. The purchase, construction, renovation and overhaul of owner-occupied housing occurred within 2 years before applying for a loan.
6. Pay the down payment according to the specified proportion. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.
7. Mortgaging the purchased (built) houses or providing third-party houses or securities recognized by the Municipal Provident Fund Center as collateral.
8. The borrower and co-borrower provident fund loans have been paid off or have not occurred.
Can a loan of 1.7 million still be regarded as a provident fund loan?
Yes, the online loan has not been paid off, and customers can also apply for provident fund loans. Because the provident fund loan itself is not affected by online loans, regardless of whether the online loans are paid off, customers only need to deposit enough provident fund within a specified time (for example, more than six months); And if you have not applied for a provident fund loan before, or applied for a provident fund loan once, but it has been paid off, then customers can apply for a provident fund loan.
Of course, if customers apply for online loans or lenders access the central bank's credit information system, it will be better for customers to pay off online loans before applying for provident fund loans. Because this kind of online loan will be recorded in the credit report, and if the debt shown in the credit report is too high, it will affect the approval of the provident fund loan, so the customer had better reduce the debt before handling it.
Of course, we must pay attention to repayment on time to avoid overdue. Otherwise, once the repayment is overdue, it will be recorded in the credit report, resulting in personal credit damage, customers can not make provident fund loans in a short time, and the application will be rejected because of credit problems.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.
Does frequent online loans have an impact on provident fund mortgages when they are not overdue and have been settled?
First of all, answer directly.
It may have an impact.
Second, the specific analysis
Because one of the application conditions of provident fund loans is to consider the borrower's repayment ability, it is generally required that the monthly debt calculated in the name of the borrower should not exceed 50% of the family's monthly salary income.
If there are many other loans, plus this debt of the provident fund loan, it may exceed the repayment ability of the provident fund loan, thinking that the borrower can't afford it, which will lead to the failure of the approval of the provident fund loan.
Therefore, more loans may affect provident fund loans, depending on the actual situation.
Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can quickly find the problems in your online loan big data in Beijian, accurately and comprehensively query and solve the problems in online loan big data in time.
3. How does the provident fund loan determine the family's monthly salary income?
Provident fund accounts for the loanable amount according to the deposit base.
1, generally based on the borrower's housing provident fund deposit base.
2. If the borrower's spouse has a job and has not paid the provident fund, it shall be determined according to the social security payment base.
3. The borrower's spouse has a job, but has not purchased social security and provident fund. Generally, income is calculated by the local minimum wage standard.