When a property buyer applies for a provident fund loan, the provident fund center will review the credit report of the borrower and his spouse, and the loan will be refused in the following four cases:

1. The loan or credit card is currently overdue in the credit report of either party;

2. In the past two years, a single loan has been overdue for 3 consecutive periods or more, or accumulated for 6 periods or more;

3. In the past 2 years, the credit card has been overdue for 3 consecutive times or more;

4. Be sued for bad credit.

Among them, if the loan or credit card is currently overdue, if the borrower has repaid the arrears and can provide proof of bank repayment, he can apply for a provident fund loan.

In addition, if the personal credit report information is inaccurate due to the banking system, and the annual credit card fee is not paid, the bank will issue relevant certificates and can apply for a loan after verification.