First of all, your provident fund loan in Beijing belongs to the bank. Just because China People's Bank can't find it doesn't mean other banks can't find it.
Therefore, only if you can't find it in a loan bank in Shanghai can you count it as the first suite.
No matter the second suite or the first suite. Portfolio loans are definitely better than pure commercial loans. Because the interest rate of provident fund loans is low.
Good luck!
Second, I bought a house with a loan from Beijing Housing Provident Fund. There is no loan record in my credit investigation. I am in Beijing. ...
If the area you buy only recognizes loans or can't find any real estate in your name, then commercial loans should be counted as the first set.
Third, how to withdraw the provident fund in Beijing without a credit record (buying a house without renting a house)?
I know this problem, which is similar to my situation. The down payment invoice used does not need a contract password. There is no online sign number in our hometown. It's not the first time that we put it forward, so we went to provide a report on the authenticity of the down payment invoice. The other party scanned the invoice and the purchase contract, which was done at that time and arrived in time.
4. Why can't I find the provident fund loan in the personal bank credit record?
Can be found. Log in to the local housing provident fund inquiry website, and I will take the Shenzhen housing provident fund inquiry as an example: log in to the Shenzhen housing provident fund website, select the online service hall under "Personal Login", and the system will prompt you to install the password plug-in. Note: First, for security reasons, you can't query without installing plug-ins. After installing the plug-in, you can enter account information, password information and verification code information in the provident fund account under personal login, and click "Login Now" to know your provident fund amount.