If your personal debt is too high, any lending institution will consider your repayment ability. Reduce your credit limit accordingly. The second thing that affects your provident fund loan is how much money you pay in the provident fund every month and how much money you have in your provident fund card (if you want to borrow easily, don't take the provident fund before lending). The more money in the provident fund card, the better. Let's see what others say.

Second, the total amount owed by my credit card is 654.38+ 10,000. Will it affect my application for provident fund loans?

If the repayment is normal, there is no overdue record. You can handle the loan normally.

Let's see what others say.

3. Does the high personal credit card debt affect the provident fund loan? Is the debt 10W?

It will have an impact. You can apply for a loan after six months of continuous repayment. 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 purchase, construction and repair of housing land is state-owned land; Take the house purchased, built or repaired as collateral.

My credit card debt is 500,000. Can I make an appointment for a gold loan?

You have 500 thousand credit card debt. It is uncertain whether the provident fund loan can be loaned.

If you have a credit card debt of 500,000, pay it in installments. If each installment is normal and not overdue, you can apply for provident fund loans.

If your credit card is repaid in installments, it will be overdue for many times or for a long time, which will affect the provident fund loan.