First, can I apply for provident fund loans?

You have to ask the loan bank about this. Generally, it doesn't matter if it exceeds 3 times. It's hard to say 4 times.

Second, can I use provident fund loans if the loans are overdue?

1. Give a positive answer

If there are many overdue times, such as credit investigation, or if the overdue records have been deleted after credit investigation, users can apply for public

2. Make a concrete analysis

. However, the overdue records are still guaranteed to apply for provident fund loans, and applying for provident fund loans requires users to have good personal credit investigation.

in a word, a large number of overdue times will definitely affect users' personal credit.

In addition, a loan is overdue for many times, and the overdue record is also counted according to the number of times. Therefore, even if only one loan is applied for, there may be borrowers who are overdue for many times.

If borrowers apply for it too frequently, personal credit risk will be increased. You can just check the personal credit risk index at Beijian. The wind is easily rejected.

III. Provident Fund

The first suite and the second suite can apply for provident fund loans, but the third suite cannot apply for provident fund loans, so it is twice.

if some cities open the third suite to support provident fund loans, then the limit of the number of provident fund loans will be changed to three.

At present, the third suite in most cities is not

Moreover, after the first suite applies for provident fund loans and must be paid off, the second suite does not support the first suite and the second suite.

Third, can I use provident fund loans if the loans are overdue?

In life, many people forget to repay their credit cards for one reason or another, which leads to their bad credit records. Then, if you have ever been overdue, can you still use the provident fund loan? Under normal circumstances, overdue loans will have a certain impact. So can you apply for a provident fund loan? It depends on the situation. If the expected number of times is less than 3 times and there are special circumstances, you can tell the bank about the situation, and then issue a credit certificate, which will be issued by the bank, so that you can use the provident fund loan to buy a house. At the same time, if the credit card record is overdue, you can call the credit card customer service to explain that it was not intentional, but it was really forgotten or delayed. Just show that you don't owe money maliciously. Credit records can be eliminated. After the bad credit card records are eliminated, it is relatively simple to use the provident fund to buy a house. In addition, if your personal record is overdue, you can try to buy a house with the provident fund under your spouse's name. If you don't have many overdue times, the general bank will still consider using the spouse's provident fund loan. At the same time, the provident fund is a local policy, and the regulations in each region are different. When applying, you can consult more local banks and learn more about the local situation.

4. how long can I apply for provident fund after overdue payment?

If a personal credit card or bank loans overdue repays three times in a row, that is, three months in a row, or more than six times in two years, you cannot apply for provident fund loans.

The approval of provident fund loans will be measured by bank credit information everywhere. If you step into the following minefield, the road to approval will be red:

1. The accumulated overdue records in the past five years have exceeded 6 times;

2. There have been three consecutive overdue records in recent five years;

3. In recent two years, the accumulated overdue records have exceeded 3 times, but not more than 6 times.

in the past two years, if the loan applicant has overdue records for more than three consecutive periods or accumulated six times, his loan application will not be accepted in principle.

if the overdue record is due to the annual fee of the credit card, it may not be included in the calculation of overdue periods.