Influential.

Housing provident fund loans will not be accepted if one of the following circumstances occurs.

1. Housing or consumer loans: The borrower and his spouse’s housing loans, business or consumer loans and other personal loans are overdue for more than 90 days during the agreed repayment period or are overdue for a total of 6 periods (times) ) and above. Those who have been found to have committed loan fraud or expropriated housing provident funds and have been recorded in the credit reporting system.

2. Credit card: The credit card held by the borrower and his or her spouse has been overdue for more than 90 days in the past 24 months or has been overdue for a total of 6 periods (times) or more. The borrower and his or her spouse have been sued for personal loan or credit card bad credit and are recorded in the credit bureau system.

3. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

4. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

5. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest.

6. If the "Sleep Credit Card" is not used after activation, annual fees will be incurred. Failure to pay will result in a negative credit record.

7. Credit card overdrafts and mortgage loans are not paid back on time.

8. When providing guarantee to a third party, the third party failed to repay the loan on time.

9. Cashing out of personal credit cards.

10. Student loans are in arrears and are not repaid.

11. Mobile phone deductions are linked to bank card deductions. Relevant procedures were not completed after the mobile phone was deactivated, resulting in overdue payment due to monthly rent arrears.

12. Credit card arrears records are generated when someone else uses the identity card or a copy of the identity card fraudulently.

Extended information:

Loan conditions

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system You cannot apply for a housing provident fund loan.

2. Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited housing provident fund for no less than six months before applying for a loan. This is because if employees’ behavior of paying housing provident funds is abnormal and intermittent, it means that their income is unstable and risks will easily arise after the loans are issued.

3. If one spouse applies for a housing provident fund loan, neither spouse will be able to obtain a housing provident fund loan again before the spouse repays the principal and interest of the loan. Because housing provident fund loans are financial support provided to meet the basic housing needs of employee families, and are a type of "housing security" financial support.

4. When a loan applicant applies for a housing provident fund loan, in addition to having a relatively stable economic income and the ability to repay the loan, the loan applicant must not have a large amount that has not yet been paid off, which may affect the repayment of the housing provident fund loan. capacity for other debts. When employees are burdened with other debts, granting housing provident fund loans is very risky and violates the principle of safe operation of housing provident funds.

5. The maximum term of provident fund loans shall not exceed 30 years. When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.

Baidu Encyclopedia - Provident Fund Loan