This can't be helped, so I have to do my own credit investigation.

When applying for a loan, a lending institution will require the borrower to provide proof materials such as bank statements and credit reports. Don't underestimate a small credit report, because it will directly affect the approval result of the applicant's loan application.

1, personal credit record is good. According to bank regulations, if the borrower's credit record appears three times or six times in a row within two years, then the applicant bank is likely to be rejected.

2. Whether the debt ratio is too high. Although you can also apply for loans for existing liabilities, if the borrower's debt ratio is too high, the bank will worry about the applicant's repayment ability and will not lend to the applicant easily. Generally speaking, the borrower's total debt ratio cannot exceed 50% of the total income, otherwise,

3. Whether the spouse's credit record is good. If the borrower is married, the bank still needs to consider whether the spouse has bad credit when applying for a loan.

So no matter which way you apply for a loan, the borrower's credit history is relatively close. Credit records can not only increase the probability of successful loans, but also increase the amount of loans.

Second, the housing provident fund loan procedures

Hello,

Provident fund loan procedures are as follows:

1. Acceptance: the borrower fills in the loan application form and authorizes the inquiry of the credit information system. After checking that there are no bad loans and bad credit records, the center shall submit the borrower's and mortgagor's household registration book, original ID card and proof of marital status (if the mortgagor is married, a marriage certificate is required; If the household registration book indicates that you are actually married and single, you need to provide a divorce certificate and a single statement; If the mortgagor is single, he/she shall provide a single statement; if the real estate transaction registration management department in the area where the house is located has special requirements, he/she shall provide relevant materials according to the requirements of the real estate transaction registration management department), and the original and photocopy of the commercial housing sales contract registered by the real estate transaction registration management department shall be returned after examination, and the photocopy shall be retained. The materials required for mortgage registration are provided according to the requirements of the real estate transaction registration management department (keep the original if necessary).

Children who apply for loans for retired parents, in addition to the above materials, also need to provide their parents' retirement certificate and the original and photocopy of the household registration book. If the children and parents are not in the same place of residence, the certificate of immediate family members issued by the police station where the parents are registered must be provided.

2. Approval: The Center will determine the loan amount after reviewing the loan application materials submitted by the borrower. The Center will sign a loan contract with the borrower after the borrower pays mortgage insurance premium or guarantee fee, agency fee (such as entrusting the institution selected by the Center through bidding to handle mortgage registration, the same below), mortgage pre-registration fee, mortgage registration fee, household registration fee, deed tax, house ownership certificate cost and stamp duty.

If the borrower applies for a portfolio loan, the center will print a portfolio loan contact form after approving the loan amount and submit it to the borrower for commercial loan in the portfolio loan bank window. If the portfolio loan bank approves the loan after examination, it shall fill in the amount and term of the commercial loan on the portfolio loan contact form and sign a commercial loan contract with the borrower. The borrower shall submit the contact list of portfolio loan, commercial loan contract and loan application materials to the center.

3. Mortgage registration: The agency shall go through the pre-mortgage registration formalities at the real estate transaction registration management department with the relevant written documents of mortgage registration, and return the collateral to the material circulation center.

4. Lending: After receiving the mortgage registration materials, the Center entrusts the bank to transfer the loan funds into the bank account designated by the real estate development enterprise.

I hope I can help you.

Third, how to get the running water of the provident fund loan bank?

You can print the bank flow at the bank.

Printing bank flow can be operated in four ways:

1. Non-cash business windows that need to bring ID cards and bank cards to bank outlets are printed by bank staff;

2. Bring your bank card to the bank outlet for self-service inquiry and printing. Self-service inquiry machine-insert the card or passbook, enter the password, enter the inquiry details page-enter the date required for inquiry and printing;

3. Log in to personal online banking-open a personal account bill, select the period of bill inquiry, export the bill details, save the document, and then print it by a printer (premise: online banking function is required);

4. Download the customer service terminal of bank mobile APP, log in to mobile banking, my account and account details, and you can view the bill flow. The bill flow is for inquiry only and cannot be printed (prerequisite: mobile e-banking is required).

4. How to handle the credit information and flow of provident fund loans?

Credit information can be inquired by the People's Bank of China and printed by the bank.