Provident fund loans generally look at the credit information in the past two years. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.
When applying for housing provident fund loans, personal credit report audit standards:
1. The personal credit reports of the borrower and co-borrower have credit records for 24 consecutive months. During this period, any loan or credit card repayment that is in arrears for 3 consecutive periods (inclusive) or accumulated for 6 periods (inclusive) is not eligible for housing provident fund loans.
2. "1" and "2" appeared in the quasi-credit card in the personal credit report of the borrower and co-borrower for 24 consecutive months, but "3" did not appear. In principle, it is not within the scope of bad credit records.
Apply for provident fund loans must meet the following conditions:
1. The borrower is a natural person of People's Republic of China (PRC) nationality with full capacity for civil conduct;
2. When applying for provident fund loans, an account has been opened and remitted in full, and the period is not less than the period announced by the management center regularly;
3, with legal and effective housing sales contracts or documents approved by the relevant departments to build and repair houses;
4. The down payment for house purchase shall not be less than the specified proportion;
5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability;
6. The land purchased or built is state-owned land, and the house purchased or built is used as mortgage guarantee.
Can provident fund loans be found in the personal credit information system?
Provident fund loans, like commercial loans, can be found in personal credit information. Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
What should I do if there is a problem with the credit information of provident fund loans? What are the requirements of provident fund loans for credit reporting?
We should know that now is a society that attaches great importance to credit, and personal credit is very important, especially when buying a house loan, we will worry that bad credit information will affect the loan. What should I do if there is a problem with the credit information of provident fund loans?
1
Credit requirements for provident fund loans
Generally speaking, housing provident fund loans have the following specific requirements for personal credit reporting:
One, the credit report has one of the following circumstances, no loan:
1. The loan applicant or his spouse has outstanding overdue loans;
2. The loan applicant's quasi-credit card or credit card overdraft is overdue;
3. In the past two years, the loan of the loan applicant (excluding the student loan) has been overdue for six consecutive periods.
Two, the credit report has one of the following circumstances, and does not meet the conditions listed in the first article, the loan applicant and his spouse issued a written statement, and signed the "full repayment commitment", can be given a loan:
1. In the past two years, the loans overdue of the loan applicant has reached 3 to 5 consecutive periods, or loans overdue has been funded 180 days;
2, nearly 2 years, the loan applicant loans (excluding student loans) overdue accumulated to 3, but not more than 6 in loans overdue;
3. In recent 1 year, the overdraft of the quasi-credit card of the loan applicant has reached 180 days;
4. In the recent 1 year, the credit card overdraft of the loan applicant has been overdue for three consecutive or cumulative periods.
Three, credit card overdraft overdue records are caused by unpaid annual fees, and there are no other transaction records, you can give loans.
2
How many years have you been checking the credit of provident fund loans?
Usually in the last two years.
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.
three
What should I do if there is a problem with the credit information of provident fund loans?
The main reasons for the bad credit record are: mortgage loans are not repaid on time, credit card overdraft consumption is not repaid on time, the repayment amount is insufficient after the expected annualized interest rate of loans is raised, and some economic judgments may lead to personal credit stains.
Pay in time
No matter what kind of loan you apply for, as long as you have a bad record, it will affect your loan application. Although the regulations of provident fund management centers vary from place to place, you are basically required to have good personal credit. If the overdue amount is small and all the arrears are paid off in time, you can generally apply for a provident fund loan successfully, although there are overdue records.
The longest overdue period of personal loans exceeds 3 periods (inclusive) and the cumulative overdue times exceed 6 times (inclusive) within two years. Then it is basically impossible to apply for a provident fund loan. Some provident fund management centers have strict requirements, and look at the personal credit reports in the past five years, so the provident fund loans will be checked for credit, but the specific situation should be subject to the regulations of the local provident fund management center.
Provide proof of income flow
If your personal credit is not good, but you have good economic conditions and repayment ability, you can provide the bank with proof of income flow to prove that you have repayment ability. Even if your credit is bad, you can apply for a mortgage loan.
Guarantee company guarantee
If you can't provide proof of running water, you can find a guarantee company to guarantee before applying for a loan. If you submit the materials through a professional loan intermediary, it will often lower the loan threshold and may also increase the chances of loan approval.
Reduce the loan amount
If the credit information is not good, you can increase the down payment for buying a house, reduce the loan application amount, prepare all the information, and then apply for a loan from the bank, which can generally improve the mortgage pass rate.
Apply for another bank
Different banks have different regulations on bad credit reporting. If you are rejected at the same bank, you can try to consult more banks and find a bank that can lend.
four
How to eliminate the bad credit information of provident fund loans
Bad personal credit information cannot be eliminated actively, but can only be eliminated automatically by credit information agencies. Bad personal credit information can cover previous overdue records with good repayment records. General financial institutions will only inquire about personal credit information in the last two years, so bad credit information will not have much impact after two years. If you continue to maintain a good repayment record, the overdue record will be automatically eliminated after five years. Therefore, in order to eliminate overdue records, we must repay on time to ensure our good credit information.
In addition, it should be noted that no new bad credit can be generated during this period, otherwise the term will be recalculated.
five
Will the provident fund loan check the spouse's credit information?
Check.
When a married person applies for a loan, the financial institution investigates the credit history of the lender on a household basis. If either spouse has a bad credit record, the lending institution will refuse the loan. Even if the lender has a good credit record, if his spouse fails to repay for many times, the lending institution will doubt the family's repayment ability and credit degree, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the lending institution will refuse to issue the loan. Therefore, the good credit of a family also needs to be maintained by both husband and wife.
How often do you check the credit records when applying for housing provident fund loans?
Will check the credit history within two years. 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.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
I. Loan conditions
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Second, the loan amount
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.
Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).
The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.
Baidu encyclopedia-provident fund loan
So much for the introduction of personal credit report of provident fund loan.