Detailed description:
1. First of all, the provident fund loan is a low-interest loan set up by the China municipal government to help individuals buy houses or for other specific purposes. Applying for provident fund loans needs to pass the examination, one of which is personal credit record.
2. Secondly, personal credit investigation is a record reflecting personal credit status, including loan repayment and overdue records. The more months overdue, the worse the individual's repayment ability and credit status.
3. Third, in the process of approving provident fund loans, banks or lending institutions usually check personal credit records to assess their repayment ability and credit risk. If there are many overdue months in personal credit records, it may be considered as high risk, thus affecting the approval results of provident fund loans.
4. To sum up, the number of overdue months in personal credit information reaches 1 1 time, which will have a negative impact on provident fund loans, and may lead to rejection of applications or obtaining a lower loan amount.
Extended data:
Provident fund loan is a unique form of low-interest loan in China. Employees pay individual housing provident fund at a certain percentage of their wages every month during their work, and the employer will also pay it in accordance with the prescribed amount. This provident fund can be used to purchase the first home, repay the principal and interest of the housing loan or make personal withdrawal. To apply for provident fund loans, you need to meet certain conditions and go through relevant examination and approval procedures.
Credit record is one of the important bases for banks and financial institutions to evaluate personal credit status. The credit information system is mainly operated and managed by the Credit Information Center of the People's Bank of China, which records personal credit information, overdue conditions and loan records. Individuals with good credit records are conducive to obtaining more loan opportunities and lower interest rates. Individuals with more overdue records may face difficulties in obtaining loans and rising interest rates.
Summary:
The number of overdue months 1 1 times of personal credit information will have a negative impact on provident fund loans. Too many overdue records will be considered as high credit risk, which may lead to rejection of provident fund loan application or obtaining a lower loan amount. Therefore, it is very important for individuals who want to apply for provident fund loans to maintain a good credit record and repay on time.