Sure, I'll check my personal credit report. If the credit is not good, it is difficult to get a provident fund loan.

Second, do provident fund loans need to look at credit records? Let me know if you know.

Provident fund loans also need to check the borrower's credit history. Basic conditions for provident fund loans:

1, with permanent residence or other valid residence status in this city and full capacity for civil conduct;

2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;

4. Pay the housing provident fund in full monthly for 6 months before applying for the loan;

5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management;

6. There are no other large debts that may affect the loan repayment ability;

7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure;

8. Other conditions stipulated by the bank.

Third, do you need to look at credit information when using provident fund loans? Of course you know.

The use of provident fund loans depends on credit reporting. Provident fund loans usually involve a large amount. Lending institutions can check whether the borrower has the ability to repay the principal and interest and whether there has been any overdue behavior by querying personal credit information. Some provident fund management centers look at the personal credit report in the past five years. The above is the relevant content of using provident fund loans to see credit information.

Matters needing attention in provident fund loans

1. Keep a good personal credit record: borrowers need to check their credit reports to confirm whether they can borrow money. This condition is the basis of individual housing loan. Regardless of other conditions, if a person has a bad credit record, such as overdue credit card arrears, and the bad record exceeds the relevant regulations of the bank, he cannot get a loan. In addition, due to the application, application and guarantee of credit card, banks and financial institutions will suspect that the borrower's financial situation is not good in a short time and refuse the loan;

2. Understand the loan policy: each city has different regulations on the amount and interest rate of local provident fund loans. When choosing a provident fund loan, you need to know clearly how much you can borrow and what the interest rate is;

3. Provide true and detailed information: when applying for provident fund loans, individuals generally need to provide their own loan application form, purchase contract, pre-sale contract registration form, provident fund personal account inquiry form, personal income certificate and other materials;

4. After the loan is successful, the borrower must repay the loan in full and on time as agreed in the contract. After the loan is settled, the mortgage of the house property will be revoked.

Provident Fund loan process

1. Preliminary review: the provident fund center conducts preliminary review of the materials submitted by the loan applicant, including the applicant's qualification, loan amount, loan term, etc.;

2. Appraisal: The applicant goes to the designated appraisal institution to appraise the use value of the purchased property;

3. Audit: the applicant will go to the provident fund center for loan approval with the evaluation report and the required audit materials;

4. Handling guarantee procedures: the applicant handles loan guarantee procedures according to the contract type selected by the individual;

5. Sign a loan contract;

6. Lending banks issue loan funds.

This article mainly writes about whether to use provident fund loans to see the knowledge points of credit information, and the content is for reference only.

Fourth, the provident fund must be collected by two people. Does it taste good？

The provident fund must be good for both of us.

Provident fund loans require credit reporting by both husband and wife. The provident fund loan will check the credit information of the lender, and if the lender is married, it will also check the credit information of the lender's spouse. If any party has credit problems, it will lead to a reduction in the loan amount, and it is seriously impossible to use the provident fund loan.