Housing provident fund loans need to look at credit information.

To apply for provident fund loans, the following basic conditions shall be met:

Having full capacity for civil conduct;

Housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

Workers can apply for housing loans during purchase, construction, renovation and overhaul;

When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

Have the ability of stable economic income and loan principal and interest.

2.5 1 Is the provident fund loan creditable?

5 1 Whether the provident fund loan can not receive credit information depends on whether the lender is a formal financial institution. 5 1 There are many loan products for provident fund loans, and the lenders are different. If the lender is a formal financial institution, use 5 1 provident fund loan for credit investigation; If the lender is not a formal financial institution, the 5 1 provident fund loan will not be granted credit.

Users can check the lender of 5 1 provident fund loan on the loan details page, and then judge whether 5 1 provident fund loan is on credit according to the lender information. Whether the lender is a formal financial institution depends on whether it is licensed. If the lender is licensed, it is a formal financial institution; On the other hand, it is not a formal financial institution.

The credit information system has been connected to all commercial banks, trust companies, finance companies, leasing companies, asset management companies and some companies, and the credit insurance business of some insurance companies has also begun to be connected, basically covering all kinds of lending institutions.

Users can log on to the People's Bank of China and the official website of the China Insurance Regulatory Commission of the Bank of China to inquire whether the lender of the 5 1 provident fund loan is licensed. If the official websites of the People's Bank of China and the Bank of China Insurance Regulatory Commission do not show the lenders, they are not allowed.

Because there are many loan products of 5 1 provident fund loan, users need to analyze the specific situation.

3.5 1 Is there a credit report for the provident fund letter and loan?

Units in the housing provident fund management center for unit registration, should be within 20 days to the "unit registration form", a copy of the employee ID card for the employees to set up housing provident fund accounts. Each employee can only set up one housing provident fund account, and the original copy of the business license of the enterprise as a legal person.