The provident fund does not assess the credit information when buying a house, but only the record and amount of the provident fund deposit. The assessment of provident fund is stricter than that of commercial loans, but it does not assess credit information.

Second, the provident fund loan depends on how many years of credit.

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 borrower and the borrower's personal credit report 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 the * * * borrower for 24 consecutive months, but "3" did not appear. In principle, it does not belong to the scope of bad credit records.

Apply for provident fund loans must meet the following conditions:

1. The borrower is a natural person of China nationality with full civil capacity;

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.

Third, to buy a house, I want to know the records of credit inquiry of provident fund loans for several years.

The approval of provident fund loans in various places is generally strict, and applications with bad credit records are generally not allowed.

Fourth, can the provident fund buy a house for credit reporting?

Provident fund loans will look at credit reporting. Provident fund loans need to be strictly examined in personal credit report. Provident fund loans usually involve a large amount. Lending institutions can check whether the borrower has the ability to repay the principal and interest and whether the user has overdue behavior by inquiring about personal credit information. Some provident fund management centers look at personal credit reports in the past five years. The stipulated time varies from place to place, and the provisions of the local provident fund management center shall prevail.