According to the Notice on Defining the Use Standard of Personal Credit Report, it is clearly stipulated that an individual credit card or bank loan is overdue for three months in a row, or overdue for more than six times in two years, and cannot apply for provident fund loans. Even if the bank issues a "debt-free certificate". Personal credit does not meet the requirements of the notice, the loan review Committee can not agree to its housing loan application. In case of special reasons, after the loan bank issues a certificate, it will be studied and decided by the loan review committee.