I can definitely answer you that the requirements of provident fund loans for credit reporting are quite high. That is to say, if your provident fund repays after the loan and fails to repay on time, your personal credit reporting behavior and norms will be recorded and uploaded to a credit reporting department, and your next operation, that is, commercial loans or mortgages, will be restricted to some extent. Therefore, although the interest rate of provident fund loans is relatively low, only about 3.0, it is relatively low.

Two. Requirements of China Industrial and Commercial Bank Housing Provident Fund for Credit Information

I am happy to answer for you:

Yes, but you must have financial strength.

First, Jincheng Bank provident fund loan application conditions:

Individuals with full capacity for civil conduct and good credit status may apply for provident fund loans with their valid identity documents and related materials.

Two, Jincheng Bank to apply for provident fund loans need to provide information:

1. Identity information: copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

2. Work and income certificate: salary certificate or business card or photo badge.

3. Auxiliary materials that can prove that they have good economic strength: a copy of the real estate license, a copy of the car driving license, a copy of the deposit certificate, etc.

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Third, the requirements of the provident fund audit for credit reporting?

Provident fund audit has requirements for credit reporting. If there is a problem with personal credit information, it is usually not approved to apply for a house loan from the bank with the provident fund, so the provident fund audit has requirements for credit information.