First, the provident fund loan records should be registered in the personal credit information system. There is no problem if the repayment is made on time. If there is overdue repayment, it will be recorded in the personal credit information system.
2. According to the Regulations on the Administration of Credit Information Industry, personal bad information records will not be "lifelong" stains, but only have a "shelf life" of five years, so don't worry that the stains will affect your life. Previously, the bad personal information in the old version of the credit report that was officially put into operation in 2006 was "always displayed".
The "Regulations" stipulate that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
The information recorded by the credit information system includes positive and positive information, as well as some negative information. It mainly includes the failure to repay the principal and interest according to the time required by the contract after the loan relationship with the bank, and the situation of default and repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit.
According to the regulations, as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, a loan should be repaid on May 1 day, but it was not repaid until June 10, so the record will be deleted five years from June 10.
Three. According to Article 16 of the Regulations on the Administration of Credit Information Industry:
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
Second, I am going to buy a house with a provident fund loan recently. I went to the People's Bank to check the personal credit report. Can I use the provident fund loan?
This situation should be possible. Only the following three types of applicants or their spouses have outstanding overdue loans; (two) the credit card is overdue or overdrawn, and the applicant's loan (excluding student loan) is overdue for six consecutive periods. If a commercial loan is absolutely impossible. Return as a satisfactory answer ~
Third, why is there no record of provident fund loans in the personal credit report found online?
Which means there is no credit information.
The application conditions for provident fund loans are:
Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;
The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;
The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;
Sign a house purchase contract or contract with the sales office;
Meet other conditions stipulated by the trustor and the trustee.
4. Why is there no provident fund information on the credit report?
Personal credit investigation cannot handle credit loan business without provident fund information. The Provident Fund Center is based on the inquiry of the Provident Fund Center, and we need to provide the original ID card for inspection. Debit cards can only be used for provident fund loans.
This is mainly because when we apply for mortgage and car loan, the loan we apply for needs our credit report. According to the Regulation on the Administration of Credit Information Industry, individuals have the opportunity to obtain their credit reports for free twice a year, and a certain fee is charged from the third time each time. The charging standard is 10 yuan.
So as long as we pass our credit report, we can enjoy the right to get my credit report for free when we apply for it for the first time.
If not, you need to bring your valid ID to the local provident fund management center and fill out the Application Form for Objection to Personal Credit Report.