It was on the credit report of provident fund loans ten years ago. Provident fund loans belong to housing loans and the scope of loans, so provident fund loans are based on credit information. In addition to timely repayment, what other matters should be paid attention to when using provident fund loans? 1. Keep a good credit record. Buyers should check their credit reports to confirm whether they can get a loan. This condition is the basis of individual housing loan. If a person has a bad credit record, such as overdue payment of credit card arrears, the bad record exceeds the relevant regulations of the bank, and no matter what other conditions, he can't get a loan. In addition, in a short period of time, due to the high-frequency inquiry of credit card application, application and guarantee, banks and financial institutions will suspect that the lender's financial situation is not good and refuse the loan. 2. Understand the current loan policy. Each city has different regulations on the loan amount and loan interest rate of local housing provident fund. When choosing a housing provident fund loan, you should know how much you can borrow and what the loan interest rate is. 3. Choose the repayment method that suits you. At present, there are basically two repayment methods for individual housing loans: one is equal principal and interest repayment, and the other is equal principal repayment. The advantage of matching principal and interest repayment method is that the monthly repayment amount is fixed, and the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. However, the repayment method in average capital has a higher repayment amount in the early stage and then decreases month by month, which is more suitable for individuals with strong repayment ability. It is hoped that the repayment amount will be larger in the early stage to reduce interest expenses. 4. Provide true and complete information. Individuals applying for housing provident fund loans generally need to provide their loan application, purchase contract, pre-sale contract registration form, provident fund personal account inquiry form, personal income certificate and other materials. For details, please consult the local housing provident fund management center. 5. Don't use the provident fund before applying for a loan. Generally speaking, the upper limit of housing provident fund loan is related to the balance of the applicant's provident fund account and the deposit period. Therefore, it is recommended that you do not withdraw the balance of the provident fund account easily before preparing the provident fund loan, so as not to affect your loan amount. 6. Pay attention to personal age and the age of second-hand houses. Personal age and the age of second-hand houses all affect the loan life. The older the house, the shorter the loan period. People over 60 or 65, old houses over 20 years old, are likely to be refused loans. When making a loan, we must pay attention to the above problems to ensure the smooth handling of the loan. It should be noted that if both husband and wife apply for a loan together, then both husband and wife need to meet the above conditions before they can apply. If one party does not meet the requirements or has a bad credit record, the application for housing provident fund loan will be rejected.

Second, how many years does the provident fund loan look like credit?

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. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. Third, I have participated in provident fund loans. Will it be in the credit record?

Loans depend on credit information, provident fund is used for housing loans, and there is no online loan.

Loan business conditions:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

Materials to be prepared for the loan:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report

Fourth, credit loans ten years ago can't use housing provident fund loans to buy a house?

I can't.

Ten classics are overdue.

The credit report is seriously bad and it is impossible to handle the housing provident fund loan business.