Where are you from? Beijing’s regulations on state-managed provident funds are as follows: student loans have little impact, but I don’t know about other places. To be honest, many people are confused and forget to pay it back, but this is indeed a sign of bad credit.

1. If the credit report contains any of the following conditions, the loan will not be granted:

(1) The borrower or his spouse has an overdue loan that has not yet been repaid;

(2) The borrower’s quasi-credit card or credit card overdraft is overdue;

(3) In the past 2 years, the borrower’s loans (excluding student loans) have been overdue continuously Reached the 6th period.

2. If there is one of the following conditions in the credit report, and the conditions listed in Article 1 above are not met, the loan applicant and his or her spouse shall issue a written explanation of the situation and sign the "Commitment to repay the loan in full and on time" After submitting the letter, the loan can be granted:

(1) In the past 2 years, the borrower’s loan has been overdue for 3 to 5 consecutive periods, or the student loan has been overdue for 180 days;

(2) In the past 2 years, the borrower’s loans (excluding student loans) have been overdue for 3 periods in total, but the loans have been overdue for less than 6 consecutive periods;

(3) In the past 1 year, the loan amount has been overdue The applicant's quasi-credit card overdraft is overdue for 180 days;

(4) In the past year, the borrower's credit card overdraft has been overdue for three consecutive or cumulative periods.

3. If all overdue credit card overdraft records are due to failure to pay annual fees and there are no other transaction records, a loan can be granted.

This notice will be effective from December 1, 2007. Previously, if the documents issued by the state management sub-center are inconsistent with the provisions of this notice, this notice shall prevail.

You can go to the official website to take a look: /Info/45085