No overdue will not affect it, but also depends on the repayment ability. \x0d\ provident fund loan: \x0d\ Materials required for housing provident fund loan: \x0d\ 1. Household registration books of the borrower and his spouse; \x0d\2。 Resident identity cards of the borrower and his spouse; \x0d\3。 Proof of the marital status of the borrower; \x0d\4。 Proof of down payment for house purchase; \x0d\5。 Credit status report of the borrower and his spouse printed by the bank; \x0d\6。 Housing sales contracts or agreements that comply with the law. \x0d\ Conditions for handling housing accumulation fund: \x0d\ 1. Individuals and their units must continue to pay housing provident fund for one year; \x0d\2。 The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; \x0d\3。 If the borrower purchases a commercial house, it must be at least 30% of the total house price. \x0d\ Housing accumulation fund handling process: \x0d\ 1. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; \x0d\2。 After receiving the application, the loan bank shall confirm and review the information; \x0d\3。 After the audit, the loan bank contacts the lender and signs the relevant contract; \x0d\4。 Bank loans, the lender to fulfill the repayment obligations.