Any loan is affected by credit. Those with bad credit in the past have been overdue for more than 3 consecutive periods or accumulated for more than 6 periods. Generally, you can't apply for housing provident fund loans.

Credit is the ability of civil subjects to engage in civil activities and the comprehensive evaluation made by society, which belongs to the category of reputation right. It is determined by the economic strength, economic interests, performance ability and commercial reputation of the civil subject, and has the characteristics of specificity, timeliness, non-property, objectivity, difference and absoluteness. In the market economy, all economic entities are inseparable from credit in social activities, and all economic exchanges such as borrowing, buying, selling, and people owing me are directly related to credit.