The provident fund must be good for both of us.

Provident fund loans require credit reporting by both husband and wife. The provident fund loan will check the credit information of the lender, and if the lender is married, it will also check the credit information of the lender's spouse. If any party has credit problems, it will lead to a reduction in the loan amount, and it is seriously impossible to use the provident fund loan.

Second, do provident fund loans need to look at credit reporting?

The credit report is a personal credit information record issued by the People's Bank of China, and it is the basis for commercial banks to examine your loan qualification and credit record, depending on the personal credit record. It is recommended that you contact the Bank of China branch that you want to handle the loan business. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

Third, do pure provident fund loans need to look at personal credit information?

To apply for provident fund loans, the following basic conditions shall be met:

Having full capacity for civil conduct;

Proof of provident fund deposit (or housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.

4. Do you need to look at personal credit records for pure provident fund loans?

1. The personal credit report needs to be strictly examined for provident fund loans. As long as the contents of the report show that the applicant's bank card has been overdue for more than three consecutive periods (inclusive) or accumulated for more than six periods (inclusive) in the past 24 months, the loan will not be granted.

2. Some provident fund management centers look at personal credit reports in the past five years.

3. The stipulated time varies from place to place, and the provisions of the local provident fund management center shall prevail.