General dishonesty includes: 1, and the accumulated overdue time of housing provident fund loans reaches more than 3 (inclusive) and less than 6 (exclusive); 2. In the last 2 years, the accumulated overdue commercial loans reached 3 periods (inclusive) and 6 periods (excluding student loans); 3. The accumulated overdue period of the credit card in the past two years has reached more than 3 periods (inclusive) and less than 6 periods (excluding annual fees); 4. Those who attempted to withdraw the housing accumulation fund by illegal means in the past three years: 5. The debt disputes that have been handled have been registered by the relevant departments; 6. Other personal information recognized by the management center that should enter the category of general dishonesty.

Serious breach of trust includes: 1, housing provident fund loans have been overdue for more than 6 periods (inclusive); 2. Whether there are overdue housing provident fund loans, commercial loans and credit cards; 3. In the last 2 years, the accumulated overdue commercial loans have reached more than 6 periods (inclusive) and no reasonable explanation has been issued (except for student loans); 4. The credit card has been overdue for more than 6 periods (inclusive) in the past two years without a reasonable explanation (except annual fee); 5, in the past 5 years to take illegal means to extract housing provident fund or housing provident fund loans; 6, in the past two years, there have been serious economic crimes or acts endangering social security, and the relevant departments have put on record; 7, there is a debt dispute has not been registered by the relevant departments; 8. Other personal information identified by the management center that should enter the category of serious dishonesty.

According to different situations, citizens who are recorded in the record of dishonesty will be restricted from withdrawing provident fund and loans.

Individuals who are classified as seriously untrustworthy in the classification of credit information are not allowed to handle all withdrawal business. Those who are classified as serious dishonesty in Article 2 and have not paid off the housing provident fund in overdue loans are only allowed to handle the loan business of withdrawing the housing provident fund (housing subsidy) and returning the housing provident fund.

Individuals who are classified as the fourth general dishonesty in the classification of credit information are only allowed to buy the only self-occupied house, major illness and minimum living allowance.

In terms of provident fund loans, if an individual is classified as seriously untrustworthy in the credit information classification, the qualification for housing provident fund loans will be suspended.