Nowadays, personal credit has penetrated into our lives. Whether you buy a mortgage, a car loan or a daily personal loan, you need to check your personal credit. Once there is a stain, it is more difficult to apply for a loan.

Bad personal credit records affect provident fund loans in two ways:

There are two situations: first, after the bad credit record exceeds a certain standard, you can't apply for provident fund loans; Second, according to the degree of personal bad credit, reduce the amount of provident fund loans accordingly.

If the personal credit of the Borrower and its spouse, * * and the Borrower and its spouse is under any of the following circumstances, it is a serious case of bad credit, and the loan may not be issued:

1, with bad credit quilt record;

2. Repayment by loans overdue or the guarantor in the current period;

3. Guarantee loans for others without paying them off;

4. The credit card has expired at present;

5. In the past two years, the credit report has been overdue for three consecutive periods (inclusive) or more (except for unpaid annual fees);

6. In the past two years, the credit report is overdue for more than 6 periods (inclusive) (except for unpaid annual fees);

7. Withdraw the balance of my housing provident fund account by deception and record it in the bad credit system of the provident fund center, and it has not been returned in full or in full, but the disciplinary period of dishonesty (5 years) has not expired since the date of full refund;

8. Cheating provident fund loans into the bad credit system of the provident fund center by forging certification materials and fictional housing consumption behavior. , and the disciplinary period of dishonesty (5 years) from the date of recording (no lending) or the date of settlement of loans (lending);

9. Accumulated overdue loans of the provident fund 12 or more, or recorded overdue records of 6 or more consecutive periods in the bad credit system of the provident fund center, and the disciplinary period of dishonesty (5 years) has not expired since the date of loan settlement;

10. The balance of the provident fund account has been enforced and recorded in the bad information system of the provident fund center in the past five years;

1 1. Other circumstances in which the provident fund center and the entrusted bank consider that the borrower's credit does not meet the loan conditions.

Does credit information affect provident fund loans?

Bad credit records left in the central bank's credit report will make it difficult to apply for loans, which is not conducive to the approval of loans and credit cards, and the loan interest rate may be higher.

Local housing provident fund management centers have regulations on whether credit records affect provident fund loans in line with local actual conditions, mainly in the following three situations:

1. After the bad credit record exceeds a certain standard, you cannot apply for provident fund loans;

2. As long as you meet the conditions for provident fund loans, you will be eligible for provident fund loans. The credit rating of provident fund loans is evaluated according to individual occupation, deposit base and provident fund balance;

3. Increase the down payment ratio or loan interest rate according to personal credit qualification.

The specific situation still needs to consult the local housing provident fund management center. Buying a house will consume a large part of the family's funds, and loans can still be saved.

Extended data:

What are the conditions for housing provident fund loans?

Apply for housing provident fund loans need to meet the following conditions:

The applicant has reached the age of 18 and has full capacity for civil conduct;

Personal credit is good, and there are no bad information records in the credit report (mainly reviewing the credit information in the past two years);

Have a legal and stable source of economic income and the ability to repay the principal and interest of the loan on time;

In the local area, the housing provident fund has been paid in full and on time for six months or more, and the provident fund account is in a normal state of payment;

Have not applied for provident fund loans or the loans have been settled (note that those who have applied for provident fund loans must pay off the loans before they can apply for new provident fund loans; If you have applied for provident fund loans twice, you can't apply for provident fund loans regardless of whether the loans are settled or not.

Does the credit loan affect the provident fund loan?

1. Although the provident fund credit loan will not directly affect the provident fund loan, it will indirectly affect the provident fund loan because the provident fund credit loan will check the credit.

2 normal use of provident fund credit loans, does not affect the provident fund loans.

3. Once there are bad behaviors such as overdue, it is likely that the provident fund loan will be rejected.

1. What is a personal housing provident fund loan?

Personal housing provident fund loan is a preferential loan that the housing provident fund management center entrusts the housing provident fund payer to purchase, build, renovate and overhaul their own houses and raise funds to build cooperative houses.

Two, what is the individual housing provident fund portfolio loan?

It means that when the loan amount of housing provident fund is not enough to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together constitute a combined loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.

The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee.

3. What is the specific loan amount?

1. It shall not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/the borrower's spouse's provident fund deposit/the borrower's spouse's provident fund deposit ratio ×50%× 12 (month )× the loan period.

2. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchased house price (if the construction area of Xing Tao is below 90 square meters (inclusive), it shall not exceed 80% of the purchased house price); The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.

3. The borrower (including spouse) has the ability to repay the principal and interest of the loan, and the average monthly income is not lower than the minimum living standard for urban and rural residents in this Municipality.

3. What is the loan period of the provident fund?

The longest term of housing provident fund loans is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.

Does credit loan have an impact on provident fund loans?

If the credit loan amount is not high, the personal debt ratio is not greatly improved, and there is no overdue record, it will not affect the user's subsequent handling of provident fund loans. However, the total amount of credit loans is high, which increases the personal debt ratio, or overdue records are generated when repayment is made, but the overdue records are not deleted. At this time, credit loans will affect provident fund loans.

When the debt ratio is high, when applying for provident fund loans, banks may require users to pay off their previous debts in advance or submit additional financial proof materials. When the user does not meet the requirements of the bank, the application for provident fund loan will be rejected. As for the overdue records in credit information, before the overdue records are deleted, users will not be able to pass the review of provident fund loans, and one of the conditions of provident fund loans is good credit information.

Therefore, if users are worried that the previous credit loans will affect the provident fund loans, they can first check whether there are any bad credit records in their credit information, and consider giving priority to paying off some credit loans to reduce the personal debt ratio.

The introduction of credit that affects provident fund loans ends here.