With the increasing number of people buying houses, most of the price increase depends on applying for loans, and many people apply for provident fund loans to solve the housing purchase funds. Provident fund loans have requirements for credit reporting, so what are the requirements for credit reporting by provident fund loans?

1. The applicant's quasi-credit card or credit card has not been overdrawn.

2, 2 years, the applicant's loan (excluding student loans) for no more than 3 times.

3, apply for provident fund loans in the past six months, overdue times no more than two times.

The cumulative number of overdue repayments within 4.5 years shall not exceed 6 times.

5. If both husband and wife apply for loans at the same time, both parties must meet the above conditions.

The above are the requirements of provident fund loans for credit reporting. It can be said that the requirements for credit reporting are still relatively strict.

What should I do if there is a problem with the credit information of provident fund loans? What are the requirements of provident fund loans for credit reporting?

We should know that now is a society that attaches great importance to credit, and personal credit is very important, especially when buying a house loan, we will worry that bad credit information will affect the loan. What should I do if there is a problem with the credit information of provident fund loans?

1

Credit requirements for provident fund loans

Generally speaking, housing provident fund loans have the following specific requirements for personal credit reporting:

One, the credit report has one of the following circumstances, no loan:

1. The loan applicant or his spouse has outstanding overdue loans;

2. The loan applicant's quasi-credit card or credit card overdraft is overdue;

3. In the past two years, the loan of the loan applicant (excluding the student loan) has been overdue for six consecutive periods.

Two, the credit report has one of the following circumstances, and does not meet the conditions listed in the first article, the loan applicant and his spouse issued a written statement, and signed the "full repayment commitment", can be given a loan:

1. In the past two years, the loans overdue of the loan applicant has reached 3 to 5 consecutive periods, or loans overdue has been funded 180 days;

2, nearly 2 years, the loan applicant loans (excluding student loans) overdue accumulated to 3, but not more than 6 in loans overdue;

3. In recent 1 year, the overdraft of the quasi-credit card of the loan applicant has reached 180 days;

4. In the recent 1 year, the credit card overdraft of the loan applicant has been overdue for three consecutive or cumulative periods.

Three, credit card overdraft overdue records are caused by unpaid annual fees, and there are no other transaction records, you can give loans.

2

How many years have you been checking the credit of provident fund loans?

Usually in the last two years.

Personal credit records are required to apply for housing provident fund loans. If the maximum overdue time of personal loans in the personal credit report is no more than 3 times (inclusive) and the cumulative overdue times in the two years before applying for loans are no more than 6 times, the loans within the credit range will not affect the loans.

three

What should I do if there is a problem with the credit information of provident fund loans?

The main reasons for the bad credit record are: mortgage loans are not repaid on time, credit card overdraft consumption is not repaid on time, the repayment amount is insufficient after the expected annualized interest rate of loans is raised, and some economic judgments may lead to personal credit stains.

Pay in time

No matter what kind of loan you apply for, as long as you have a bad record, it will affect your loan application. Although the regulations of provident fund management centers vary from place to place, you are basically required to have good personal credit. If the overdue amount is small and all the arrears are paid off in time, you can generally apply for a provident fund loan successfully, although there are overdue records.

The longest overdue period of personal loans exceeds 3 periods (inclusive) and the cumulative overdue times exceed 6 times (inclusive) within two years. Then it is basically impossible to apply for a provident fund loan. Some provident fund management centers have strict requirements, and look at the personal credit reports in the past five years, so the provident fund loans will be checked for credit, but the specific situation should be subject to the regulations of the local provident fund management center.

Provide proof of income flow

If your personal credit is not good, but you have good economic conditions and repayment ability, you can provide the bank with proof of income flow to prove that you have repayment ability. Even if your credit is bad, you can apply for a mortgage loan.

Guarantee company guarantee

If you can't provide proof of running water, you can find a guarantee company to guarantee before applying for a loan. If you submit the materials through a professional loan intermediary, it will often lower the loan threshold and may also increase the chances of loan approval.

Reduce the loan amount

If the credit information is not good, you can increase the down payment for buying a house, reduce the loan application amount, prepare all the information, and then apply for a loan from the bank, which can generally improve the mortgage pass rate.

Apply for another bank

Different banks have different regulations on bad credit reporting. If you are rejected at the same bank, you can try to consult more banks and find a bank that can lend.

four

How to eliminate the bad credit information of provident fund loans

Bad personal credit information cannot be eliminated actively, but can only be eliminated automatically by credit information agencies. Bad personal credit information can cover previous overdue records with good repayment records. General financial institutions will only inquire about personal credit information in the last two years, so bad credit information will not have much impact after two years. If you continue to maintain a good repayment record, the overdue record will be automatically eliminated after five years. Therefore, in order to eliminate overdue records, we must repay on time to ensure our good credit information.

In addition, it should be noted that no new bad credit can be generated during this period, otherwise the term will be recalculated.

five

Will the provident fund loan check the spouse's credit information?

Check.

When a married person applies for a loan, the financial institution investigates the credit history of the lender on a household basis. If either spouse has a bad credit record, the lending institution will refuse the loan. Even if the lender has a good credit record, if his spouse fails to repay for many times, the lending institution will doubt the family's repayment ability and credit degree, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the lending institution will refuse to issue the loan. Therefore, the good credit of a family also needs to be maintained by both husband and wife.

202 1 requirements for credit reporting of provident fund loans

202 1 The requirements for credit reporting of provident fund loans are as follows:

1. Whether the loan applicant or his spouse has outstanding overdue loans.

2. The quasi-credit card or credit card of the loan applicant has no overdue overdraft record.

3. Credit information should be good.

Supplementary information:

1. Provident fund loans refer to loans enjoyed by employees who have paid 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.

Second, the handling procedures:

1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;

2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;

3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches; 4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;

5. The entrusted bank issues loans to borrowers.

Third, the processing time limit:

1, subject to review. The initial trial time of the branch shall not exceed 2 working days from the date of accepting the loan application, and may be extended by 3 working days in case of large batch or other special circumstances;

2. Review and approval. After receiving the loan materials submitted by each branch, the Municipal Provident Fund Center shall examine and approve them within 3 working days.

Four, provident fund loan amount:

1. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.

2. Secondly, the maximum loan amount of the housing provident fund does not exceed 70% of the total purchase price;

3. When applying for provident fund loans, the monthly repayment amount/monthly income shall not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Audit standard of credit information of provident fund loans

1 The applicant's quasi-credit card or credit card has not been overdrawn.

The applicant has handled overdue loans (excluding student loans) for no more than 3 times in the past two years.

3. Apply for provident fund loans within the last six months, and the overdue times shall not exceed two times.

4. The cumulative number of overdue repayments in the past five years shall not exceed 6 times.

If both husband and wife apply for loans at the same time, both parties must meet the above conditions.

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan.

Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Most cities have customized the relevant conditions of housing provident fund loans, such as:

Chengdu loan conditions:

1, employees with permanent residence or valid residence identification in the local administrative area;

2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center.

What are the requirements of provident fund loans for credit reporting?

Requirements:

1. The applicant's quasi-credit card or credit card is not overdrawn;

2. The loan (excluding student loan) handled by the applicant in the last 2 years is overdue for no more than 3 times;

3. Within six months after applying for provident fund loans, the overdue times shall not exceed 2 times;

4. Within five years, the accumulated overdue period shall not exceed six times;

5. If the husband and wife jointly apply for a loan, they shall meet the above conditions.

：

1. Personal credit reports are generally provided by the central bank and are valid for 3 months. Personal credit information refers to the personal credit status of loan applicants verified and identified by the provident fund center. Credit investigators include loan applicants and their spouses, as well as other loan-related personnel who need to be contacted. Therefore, if there is any of the following bad credit conditions, the loan will not be issued:

① Overdue loan, or overdraft or overdue debit card or quasi-debit card.

② Within 24 months before applying for provident fund loans, other loans were overdue for 3 consecutive periods or accumulated for more than 6 periods.

(three) defrauding, misappropriating housing provident fund or defrauding loans.

(4) Being included in the list of persons who have been executed for breach of trust.

2. The balance after the provident fund loan can be withdrawn, but the corresponding conditions must be met. After the common provident fund loan, 12 months later, the Business Contract of the Firm can be registered in the Housing Management Department, and Bill can apply to the provident fund center for monthly payment (not exceeding the balance of the provident fund).

1. Only in this case can the provident fund be withdrawn.

(1), the purchase, construction, renovation and maintenance of self-occupied housing can be withdrawn from the provident fund;

2. Retire. You can withdraw the provident fund after retirement;

(3) If you completely lose the ability to work and terminate the labor relationship with the unit, you can withdraw the provident fund;

4. If you live abroad, you can withdraw the provident fund;

⑤ The provident fund can be withdrawn to repay the mortgage principal and interest;

6. If the rent exceeds the proportion of family wage income, you can withdraw the provident fund;

4. As long as the overdue personal credit card is not particularly serious, it will generally not affect the provident fund loan. When applying for loans, lending institutions require borrowers to provide bank statements, credit investigation reports and other supporting materials. Don't underestimate a small credit report. You should know that some situations reflected in the credit report will directly affect the approval result of the applicant's loan application.

What are the specific requirements of provident fund loans for personal credit records?

For personal housing provident fund loan business in China Bank, the loan applicant must meet the following conditions:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a permanent residence or valid residence status in China, and pay the housing provident fund at the place where the loan is applied;

3. Have a stable professional and economic income, a good credit record and the ability to repay the principal and interest of the loan;

4. The property right of the purchased house is clear, and the buyer and the seller sign a legal and effective house sales contract or agreement;

5. Have paid or have paid a certain down payment, and can provide corresponding proof. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.