Personal credit report?

A: It will affect. According to the latest notice of Qingdao Provident Fund Center, starting from June 20 15 1 day, the center will review the credit reports of loan applicants and their spouses through the credit information system of China People's Bank. In case of any of the following circumstances in the credit information report, the loan application shall not be accepted:

1. Loan or credit card/credit card is currently expired;

2. A single loan has overdue records for more than 3 consecutive periods (including 3 periods) or has overdue records for more than 6 periods (including 6 periods) in the past 2 years;

3. The credit card has been overdue for more than 3 times in the past 2 years (

4. There is a record of bad credit.

Remarks:

1. If the loan or credit card/credit card is overdue at present, the loan application can be accepted if the overdue money has been paid off and the bank repayment certificate is issued.

2. Due to the banking system problems, the private letter is accurate, and the annual credit card fee is in arrears. If the bank is real, you can accept the loan application.

Second, there is no problem with credit qualification. Can I repay the loan with the housing provident fund if my credit information is not good?

In today's society, credit information is very important. If the credit is not good, many things will be affected. If the credit is not good, you can't use the provident fund loan line. Provident fund loans, like commercial loans, are very strict in credit review. If the buyer's credit information has problems, they will be rejected. If the credit information is not good and there is a real demand for buying a house, you need to mention the credit information first, or you can consider other payment methods.

Will personal credit problems affect provident fund loans?

If knowledge occasionally forgets to repay, it will not have much impact on future provident fund loans after repayment. The requirements of provident fund loans for credit reports are:

1.？ The loan applicant or his spouse has outstanding overdue loans; Have you or your wife paid off the loan?

2. The borrower's quasi-credit card or credit card overdraft is overdue; The bank card or credit card 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.

4. Does poor credit reporting have an impact on provident fund loans?

If your credit information is not good, it will definitely affect your use of provident fund loans. Because you buy a house with a provident fund loan, first of all, financial institutions such as banks will review your personal data. If you find that your credit information is not good, banks and other financial institutions will stop issuing financial loans to you. If your credit information is not good after the provident fund loan, your single provident fund loan business will not be affected, and other financial loan businesses will still be affected. So as a citizen, we must be honest and trustworthy.