Can I run a housing provident fund if there is a stain on the credit information?
I can't. Under any of the following circumstances, housing provident fund loans will not be accepted.
1. Housing or consumer loans: personal loans such as housing loans, commercial loans or consumer loans of borrowers and their spouses are overdue for more than 90 days within the agreed repayment period, or overdue for 6 times or more. If it is verified that there are fraudulent loans and housing accumulation funds, it will be recorded in the credit information system.
2. Credit card category: the credit cards held by the borrower and his spouse have been overdue for more than 90 days or 6 times or more in the last 24 months. Borrowers and their spouses have been sued for bad personal loans or credit cards and recorded in the credit information system.
3. The monthly payment is overdue or overdue for 2 to 3 months.
4. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
5. If the loan interest rate is raised, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
6. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.
7. Credit card overdrafts and mortgage loans are not repaid on time.
8. When providing a guarantee for a third party, the third party fails to repay the loan on time.
9. Personal credit card cashing.
10. The student loan is not repaid in arrears.
1 1. Mobile phone charges are linked to bank card charges. After the mobile phone is stopped, the relevant procedures are not handled, and the monthly fee is overdue.
12. Being fraudulently used by others to create credit card arrears records.