You can wait until your credit is renewed, usually once every five years.

The application conditions for provident fund loans are:

Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;

The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;

The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;

Sign a house purchase contract or contract with the sales office;

Meet other conditions stipulated by the trustor and the trustee.

Second, how can I get a loan if I have 29 bad records?

You can find out which bank credit departments are more tolerant of overdue. You need to print your repayment records in your overdue bank, so that they can be sure that your loans overdue is really malicious. If they think they can do it, that's good. Our department has done it several times, but it is not too long overdue, usually a few days. You can find that rural credit cooperatives seem to be relatively loose.

Third, credit reporting has a bad record. How to deal with the loan before?

Most of the bad records in credit information are caused by overdue repayment, among which improper use of credit cards accounts for the largest proportion. In fact, if there is a problem with the credit, if it is not a serious malicious overdue, you can still take some appropriate measures. According to different situations, here's something for you: 1, occasionally overdue, timely repayment: in the process of repaying loans or using credit cards, sometimes you remember the wrong time or forget the overdue time, and generally you can borrow money. But the requirements of commercial banks are not exactly the same. For example, in CCB, it is relatively loose: if the loan is overdue for more than 3 months in a row or accumulated for more than 9 periods, or if the consumer loan is overdue for more than 90 days in one year, the loan will not be given at all. Slightly overdue loans can also be made in ICBC, unless consumer loans are overdue for more than 6 times in two years, and housing loans overdue 12 times or more. There are also commercial banks that cannot lend. For example, in the Agricultural Bank of China loan, it is no problem to ask for credit information. 2. For overdue due to special reasons, a non-malicious overdue certificate can be issued in the bank. For overdue due to small consumption or annual credit card fees, you can negotiate with the bank, especially for overdue due to occasional forgetting to repay the loan and returning it quickly, you can ask the account managers of the local branches and sub-branches of the overdue bank to explain the reasons and apply for a non-malicious overdue certificate. Normally, the bank will give it to you. If the loan is from the same bank, it will basically be directly given to you. With the non-malicious overdue certificate, there is no problem with the loan. 3. If the bank makes a mistake, you can apply for cancellation of bad credit information: the bad credit information is uploaded by the bank to the credit card center, so it is difficult to guarantee that there are no mistakes at all. Check the source of your bad record. If it is not caused by your own reasons, you can apply to the uploading bank or the People's Bank for cancellation of bad records. For example, if you give a guarantee to others, the guarantor has a bad record because the guarantor is overdue and the guarantor has fulfilled the guarantee responsibility. At this time, you can appeal to the bank, and then you can get a loan. 4. Bad record caused by identity fraudulent use: Bad record caused by identity card being stolen by others without your knowledge can also be eliminated. The processing flow is to report the case to the public security organ immediately after notifying the overdue bank, and then apply to the bank to remove the bad records with the filing documents. The bank can eliminate the bad records by reporting to PBOC. If the bank refuses to do so, it can complain to the People's Bank of China or go to the bank. According to the law, when handling personal business, banks have the obligation to verify their identity, and the responsibility of banks not performing their duties cannot be borne by individuals.