As long as it's not overdue.

Basic conditions for applying for housing provident fund loans:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related certification materials;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8. Deposit conditions: the housing provident fund account has been established for more than 6 months (inclusive).

Provide the following information:

1, the deposit certificate of the applicant's and spouse's housing provident fund;

2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;

3 proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;

4, the purchase of housing contracts, agreements and other valid documents;

5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor jointly sign a tripartite contract.

Other information required by the provident fund center:

1. For the loan application with complete information, the bank will accept and review it in time and submit it to the provident fund center in time;

2, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results;

3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

4. If the house is mortgaged, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

2. Will high credit card debt affect provident fund loans?

It will have an impact on provident fund loans. If the debt is too high, the bank will refuse to lend.

Apply for provident fund loans must meet the following conditions:

1. The borrower is a natural person with full civil capacity and People's Republic of China (PRC) nationality;

2. When applying for provident fund loan, an account has been opened and paid in full continuously, and the term is not less than the term regularly announced by the management center;

3, with a legal and effective housing sales contract or approved by the relevant departments to build or repair houses;

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 land for purchasing, building and repairing houses is state-owned land; Take the house purchased, built or repaired as collateral.

3. Will credit card arrears affect provident fund loans?

No. But if you want to buy a house, you must manage your credit information. Credit cards must not be overdue. Also, products that can be withdrawn, such as borrowing and micro-lending, belong to the category of loans. No matter how much money you borrow, even small loans in 100 or 200 yuan will be recorded in the credit report. If your credit report has multiple loan records within half a year, the bank may think that your current cash flow is unstable. To be honest, it is short of money, which will affect the approval of housing loans and so on. Refuse the loan, or increase the loan interest rate to you according to the situation. In other words, even if you settle these consumer loans, they are not overdue, but because of the loan record, the bank still has reason to doubt your repayment ability. Because the state stipulates that these consumer loans are strictly forbidden to enter the property market, if you plan to buy a house within six months, you should use these platform loans carefully.

4. Will high credit card debt affect provident fund loans?

It depends on the debt level. High debt has an impact, while low debt has little impact.

Materials required for housing provident fund loans:

1.

Household registration books of the borrower and his spouse;

2.

Resident identity cards of the borrower and his spouse;

3.

Proof of the marital status of the borrower;

4.

Proof of down payment for house purchase;

5.

Credit status report of the borrower and his spouse printed by the bank;

6.

Housing sales contracts or agreements that comply with the law.

Housing provident fund handling conditions:

1.

Individuals and their units must pay the housing provident fund for one year;

2.

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3.

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1.

The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2.

After receiving the application, the loan bank shall confirm and review the information;

3.

After the approval, the loan bank contacts the lender and signs the relevant contract;

4.

When the bank lends money, the lender performs the repayment responsibility.