Take Changde City as an example:
When employees apply for housing provident fund loans, the provident fund center will conduct a pre-loan investigation on the credit records of the applicants and their spouses. Any bad credit record in the personal credit report will affect the housing provident fund loan.
According to the relevant regulations, the credit reports of borrowers and their spouses were found in the credit information system of the People's Bank of China. If the credit card accounts of borrowers and their spouses were abnormal, the bank credit card overdrawn more than 12 times in the last 24 months, the personal loan credit report is overdue for more than 3 times at present, and the personal loan (including current and paid-off loans) is overdue for more than 65,438+02 times or for more than 6 consecutive times.
If citizens apply for housing provident fund loans, their bad records will be included in the credit information system of the People's Bank of China, which will affect the borrower's handling of related credit business in the future. If the borrower fails to repay the loan on time for six consecutive months, the municipal housing provident fund management center will sue to terminate the loan contract according to law, recover all the loans (including default interest) in advance, and the borrower will also bear the relevant expenses of legal proceedings.