Does not affect the application for provident fund loans. However, the cardholder's card use record will affect the application for provident fund loans. If bad credit is caused by using the card, the provident fund center is likely to refuse the application.
Extended data:
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14- 10, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
On August 5, 20 17, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 30, 20 15, the down payment for purchasing a second home with provident fund loans will be cancelled by 20%!
Credit card has installment, will it affect provident fund loans?
Credit card installment bills have an impact on provident fund loans. If the credit card debt is too high, the bank will refuse the loan, as long as it is not overdue, but if there are many credit cards and the money in them is almost used, it will also have an impact on the loan. There is no problem with credit card installment. The key is whether you have paid back your credit card on time. If you have used a credit card in the past, it may affect your personal credit. If the credit card repays on time and is not overdue, it will not affect the loan. What conditions do individual housing provident fund loans need to meet? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; As long as there is no overdue behavior, other loans will not have credit problems. Credit card installment bills have an impact on provident fund loans. If the credit card debt is too high, the bank will refuse the loan, as long as it is not overdue, but if there are many credit cards and the money in them is almost used, it will also have an impact on the loan. It is necessary to develop the good habit of credit card installment repayment, which will be beneficial to the approval of provident fund loans. 1. Credit card overdue affects credit investigation.
Nowadays, personal credit report is becoming more and more important. No matter whether you buy a house or a car, as long as you deal with the bank and involve the loan business, the bank will definitely check your credit information. Let's take a look at the requirements of applying for provident fund loans for personal credit reports:
(1) The loan applicant or his spouse has outstanding overdue loans;
(2) The debit card or credit card of the loan applicant has not been returned in loans overdue (that is, the bank card or credit card is overdue);
(3) The borrower's credit card or bank loans overdue has been overdue for more than 3 months, or the borrower's loan (excluding student loan) has been overdue for 6 consecutive periods in the past 2 years. _ Once these situations occur, the bank has reason to refuse you. Specific to the overdue credit card, the payer thinks it depends on the severity of overdue:
(1) Short-term non-malicious overdue has little impact: if the overdue is more than 1 day and less than 30 days, 1 will be displayed on the credit information, which means that the overdue is within one month. If such overdue occurs occasionally, it will have little impact on normal loans.
(2) Overdue for more than three months has a great impact: generally, overdue for more than three months is more serious, generally, there is too much overdraft or you don't want to pay it back. If it is overdue for more than three months within two years, the housing mortgage loan will not be approved.
(3) Too many overdue times, direct rejection: If the applicant is overdue for more than 6 times in 1 year, and overdue for more than 12 times in 2 years, energy will be saved and the housing loan will basically be invalid!
Does credit card installment have an impact on provident fund loans?
Hello, I'm glad to answer your question. What is purchased by credit card in installments has a certain impact on provident fund loans. Generally speaking, when applying for a provident fund loan, the bank will ask the applicant to provide a recent credit card bill in order to review his credit status. If you have something purchased by credit card installment, the bank may consider that your credit status is not good, which will affect your application for provident fund loans. Therefore, it is suggested that before applying for provident fund loans, we should try to reduce the things purchased by credit cards in installments, so as to ensure our good credit status and improve the success rate of our provident fund loan application.