Anyone who buys provident fund knows that provident fund can not only help to reduce the pressure of buying a house, but also apply for a loan. However, many people don't know much about provident fund, and they don't know whether provident fund loans are easy. So can pure provident fund loans be checked for credit information? What are the general requirements? Let's take a look together.

Does the pure provident fund loan check the credit information?

Pure provident fund loans will also check credit information. The bank must confirm that the user's credit is good, there is no record of overdue repayment, and the debt is too high. It is impossible to judge without checking the credit information. If the credit information is not good, the bank will directly reject the user's application for provident fund loan to reduce the loan risk. Customers with excellent credit information will pass the credit information review, and banks will continue to review other aspects of users.

What are the conditions for a pure provident fund loan?

1. The lender has full capacity for civil conduct and should be over 18 years old;

2, the city's urban hukou, provide proof of identity;

3. Have stable economic income and good credit report;

4. The provident fund deposit is normal and must be paid continuously for a certain number of years;

5. Provide effective purchase contract or agreement, etc. The names of the lender and the buyer in the house purchase contract should be the same;

6. Prepare a down payment, such as more than 40% of the second suite.