Don't worry, it can be done. Having a bad bank record is only an obstacle to future business dealings with banks. But your provident fund has nothing to do with the bank. The so-called provident fund loan is a business between the bank and the provident fund center, and the bank has no losses here. In short, in the provident fund loan, you have little relationship with the bank.
2. What are the requirements of provident fund loans for credit reporting?
Credit requirements for housing provident fund loans: Personal credit records are required to apply for housing provident fund loans. If the maximum overdue time of personal loans in the personal credit report is no more than 3 times (inclusive) and the cumulative overdue times in the two years before applying for loans are no more than 6 times, the loans within the credit range will not affect the loans.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information services outside the letter according to law, and provides a platform for professional credit investigation institutions to enjoy credit information. Pure provident fund people's credit conditions, but do not check personal credit status when the authenticity of the loan is in doubt.
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly to the housing provident fund.
2, the borrower approved by the housing provident fund management department, and signed registration, insurance, notarization and other related procedures with the loan bank;
3. According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank.
Third, there is no problem with credit qualification. Can I repay the loan with the housing provident fund if my credit information is not good?
If the credit is not good, you can't use the provident fund loan line. Provident fund loans, like commercial loans, are very strict in credit review. If the buyer's credit information has problems, they will be rejected. If the credit information is not good and there is a real demand for buying a house, you need to mention the credit information first, or you can consider other payment methods.
What's the difference between provident fund loans and commercial loans?
1, the loan object is different.
Housing provident fund loans are targeted at employees who pay housing provident fund. Only by paying the provident fund can you choose the housing provident fund loan. Commercial loans are personal housing loans for everyone. As long as they meet the loan conditions of banks, they can generally succeed.
2. There are differences in loan interest rates.
Because the provident fund loan is not a profit-oriented policy loan, the interest rate is relatively low, and the mortgage interest rate for more than five years is 3.25%. Unlike commercial loans, which are for profit, the interest rate is relatively high. The benchmark interest rate for five years or more is 4.9%, and different banks in different regions will make adjustments. With the same mortgage amount, provident fund loans can save more interest.
4. Does anyone know that it is not easy to use provident fund loans for personal credit reporting?
Don't worry, it can be done.
Having a bad bank record is only an obstacle to future business dealings with banks.
But your provident fund has nothing to do with the bank.
The so-called provident fund loan is a business between the bank and the provident fund center, and the bank has no losses here. In short, in the provident fund loan, you have little relationship with the bank.
And the bad record also depends on what the reason is.
If you have a bad record because of mortgage or consumption, you may have trouble with provident fund loans.