If it is not overdue, it will generally not be affected. Because there is no overdue, if there is, the other half will not directly affect your provident fund loan, but it also shows that the repayment ability is personalized enough and the reputation will not be damaged, which is the basic requirement to meet the provident fund loan. Overdue will affect provident fund loans and other loans.

Whether you can successfully apply for provident fund loans depends on whether the lender meets the conditions of housing provident fund:

1. Individuals and units must pay the housing accumulation fund continuously 1 year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the buyer purchases a commercial house, the purchase amount shall not be less than 30% of the total price of the commercial house. From the basic situation of provident fund loans, we can see that if there are other loans in my name, I can't apply for provident fund loans.

Therefore, if the 200,000 consumer loan is not overdue, it will not affect the provident fund loan.

The following conditions are required for handling the provident fund loan of Agricultural Bank of China:

China Agricultural Bank provident fund loan conditions

1. has legal status;

2. Employees who pay the housing provident fund in full and on time;

4 have a stable income, good credit, and the ability to repay the principal and interest of the loan;

5. There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the lender;

6. Mortgaging or pledging the assets recognized by the lender, or using legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

7. Meet the loan conditions stipulated by the local provident fund management department;

8. Other conditions stipulated by Agricultural Bank of China.

Materials to be submitted for applying for provident fund loan of China Agricultural Bank.

1. The applicant fills in the loan application form;

2.( 1) Identification documents of the applicant and the cooperative owner (valid certificates such as resident ID card and household registration book);

3. The original repayment ability certificate and down payment certificate;

4. The original legally binding house sales contract;

5. Housing provident fund savings card and the official seal of the applicant;

6 other documents or materials required by the local housing provident fund management center.