Provident fund loans are divided into municipal provident fund and state-managed provident fund, and the inquiry methods are different. City provident fund mainly through the website and counter inquiries; The state-managed provident fund is mainly inquired through on-site inquiry, website inquiry and WeChat official account inquiry.

What problems should be paid attention to in provident fund loans?

1. Credit card overdrawn for 6 months.

Some people like to spend by credit card, but they can't afford to pay back the money if they spend too much. If it is overdue, it may be delayed for more than half a year. However, some people have annual fees and card fees that have not been used for a long time, resulting in overdue for more than half a year. But in either case, as long as it is recorded in the personal credit report, the consequences are very serious.

2. More than 24 issues of loans overdue.

If the loan applicant has used personal loans earlier and has 24 outstanding loan records, he cannot apply for provident fund loans.

3. Current credit cards and loans overdue.

The above two cases of non-repayment of debts are basically bad debts. If they are not repaid, they will always exist in the personal credit information of the parties concerned. With bad debts, provident fund loans are out of the question. However, this does not mean that if it does not become bad debts, we may apply for provident fund loans.

4. There is a record of deferred repayment for more than 2 years.

If you don't repay the loan due to financial difficulties and apply to the bank for extension or extension, or the debt repayment with assets is low, the provident fund management center will determine that you are unable to repay and are unwilling to issue provident fund loans to you.

5. There have been fraudulent loans, fraudulent loans.

There are some black platforms that are specifically aimed at users with poor credit information. They will pack personal information for users with bad credit information by charging high service fees to help them get provident fund loans. However, the review of provident fund loans is still quite strict. Once this kind of fraud is discovered and recorded, you will not be able to apply for provident fund loans for several years.

6. When a secured loan is used, the guarantor will repay the debt on his behalf.

The bank may require an applicant to provide a loan guarantor because of his high credit risk. And if you need to provide a guarantor because of the high credit risk, you can't repay it on time, and the debt to be repaid falls on the guarantor. That means that this person's credibility has basically been negative.