Requirements:
1. The applicant's quasi-credit card or credit card is not overdrawn;
2. The loan (excluding student loan) handled by the applicant in the last 2 years is overdue for no more than 3 times;
3. Within six months after applying for provident fund loans, the overdue times shall not exceed 2 times;
4. Within five years, the accumulated overdue period shall not exceed six times;
5. If the husband and wife jointly apply for a loan, they shall meet the above conditions.
：
1. Personal credit reports are generally provided by the central bank and are valid for 3 months. Personal credit information refers to the personal credit status of loan applicants verified and identified by the provident fund center. Credit investigators include loan applicants and their spouses, as well as other loan-related personnel who need to be contacted. Therefore, if there is any of the following bad credit conditions, the loan will not be issued:
① Overdue loan, or overdraft or overdue debit card or quasi-debit card.
② Within 24 months before applying for provident fund loans, other loans were overdue for 3 consecutive periods or accumulated for more than 6 periods.
(three) defrauding, misappropriating housing provident fund or defrauding loans.
(4) Being included in the list of persons who have been executed for breach of trust.
2. The balance after the provident fund loan can be withdrawn, but the corresponding conditions must be met. After the common provident fund loan, 12 months later, the Business Contract of the Firm can be registered in the Housing Management Department, and Bill can apply to the provident fund center for monthly payment (not exceeding the balance of the provident fund).
1. Only in this case can the provident fund be withdrawn.
(1), the purchase, construction, renovation and maintenance of self-occupied housing can be withdrawn from the provident fund;
2. Retire. You can withdraw the provident fund after retirement;
(3) If you completely lose the ability to work and terminate the labor relationship with the unit, you can withdraw the provident fund;
4. If you live abroad, you can withdraw the provident fund;
⑤ The provident fund can be withdrawn to repay the mortgage principal and interest;
6. If the rent exceeds the proportion of family wage income, you can withdraw the provident fund;
4. As long as the overdue personal credit card is not particularly serious, it will generally not affect the provident fund loan. When applying for loans, lending institutions require borrowers to provide bank statements, credit investigation reports and other supporting materials. Don't underestimate a small credit report. You should know that some situations reflected in the credit report will directly affect the approval result of the applicant's loan application.
What are the requirements for provident fund loans?
1. Residents with permanent residence in this city or other valid residence identification documents;
2. The borrower and all employees of his unit have paid the housing provident fund in full for more than half a year; Pay two years of provident fund for less than half a year;
3. The purchased owner-occupied housing conforms to the national, provincial and municipal mortgage policies (the second part needs to be met);
One * * * nine articles.
4. The down payment of the purchased house reaches the proportion stipulated in the national mortgage policy;
5. Have a stable income source to repay the principal and interest of provident fund loans on schedule, and have a good reputation;
6. There is a legal and effective commercial housing sales contract or purchase agreement;
7. The borrower must be the property owner agreed in the commercial housing sales contract or purchase agreement;
8. There is a guarantee method recognized by the provident fund center;
9 laws and regulations and other conditions stipulated by the provident fund center.
What are the conditions for using provident fund loans?
Provident fund loan conditions:
1. When applying for the provident fund loan, the housing provident fund has been continuously deposited in the provident fund center for more than 6 months (inclusive), the status of individual and unit housing provident fund accounts is normal, and the social security is consistent with the provident fund deposit unit.
2. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.
3. Employees with permanent residence in cities and towns or valid residence identification.
4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing;
5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;
Under no circumstances can you apply for a provident fund loan.
1. There are outstanding provident fund loans;
2. Use provident fund loans for the third time (inclusive) or more;
3. The purchased house is the third commercial house under the name of the family (including minor children);
4, the purchase of spouse, children, my parents or spouse's parents housing;
5, within two years of divorce, the sale of housing between employees and their original spouses;
6. The property right of the purchased house belongs to people other than spouse and minor children.
Use of provident fund loan:
1, which is used to repay the loan, that is, to use the housing provident fund down payment in the normal provident fund loan and the improved self-occupied housing to buy a house. If the commercial house sold in the house is a second-hand house, you can use the provident fund loan to buy a second house.
2. Commercial loans are used to repay loans, that is, they are issued together with borrowers in normal transactions.
6, can provide housing provident fund management center approved by the way of guarantee.
What are the specific requirements of provident fund loans for personal credit records?
For personal housing provident fund loan business in China Bank, the loan applicant must meet the following conditions:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have a permanent residence or valid residence status in China, and pay the housing provident fund at the place where the loan is applied;
3. Have a stable professional and economic income, a good credit record and the ability to repay the principal and interest of the loan;
4. The property right of the purchased house is clear, and the buyer and the seller sign a legal and effective house sales contract or agreement;
5. Have paid or have paid a certain down payment, and can provide corresponding proof. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
The introduction of the credit required for provident fund loans and the credit card use limit required for provident fund loans is over. I wonder if you have found the information you need?