Provident fund loans need to meet certain conditions before they can pass, and credit information is one of the important factors. Although there is no credit problem in improving the loan pass rate, there is no guarantee that the provident fund loan application will pass without credit problems.

In addition to credit reporting, the approval of provident fund loans will also consider the applicant's occupation, income, credit record and other factors. Therefore, before applying for provident fund loans, it is recommended to know the relevant conditions and requirements and make full preparations.

Second, hello, will there be any problems affecting the operation of the pure provident fund?

Pure provident fund loans generally do not review personal credit conditions, but it does not exclude loan auditors from checking the personal credit status of borrowers when they have doubts about their qualifications or the authenticity of loans.

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 apply to the housing provident fund management department for approval;

2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures;

3. The loan contract stipulates that 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;

4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;

5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.

Third, the credit report shows that more than 40 loans can affect the housing provident fund loans?

The credit report shows that the loan has been approved for more than 40 times. This will not affect as long as there is a sum in your housing provident fund.

4. Does the credit investigation have an impact on the review of provident fund?

Credit information will definitely affect provident fund loans. Personal credit information is one of the information that will be referred to when reviewing provident fund loans. It depends on your overdue situation.

Housing provident fund loans have the following requirements for credit reporting:

1. The applicant lender or spouse has outstanding overdue loans; Shall not lend housing provident fund;

2. If the credit card overdraft of the loan applicant fails to repay on time, the housing provident fund will not lend;

3. The reason for the overdue repayment of credit cards in the credit record is that the annual fee has not been paid and there are no other overdue transaction records, so you can borrow the housing provident fund;