Credit cards are phased and will not affect provident fund loans.

Because credit cards are staged, it is a normal loan behavior.

Only if the credit card is overdue for many times or for a long time, will it affect the credit investigation and then affect the provident fund loan.

Second, do things purchased by credit cards in installments have an impact on provident fund loans?

Hello, I'm glad to answer your question. When there is a certain provident fund loan for the things purchased by credit card installment, the bank will ask the applicant to provide the credit card bill for the latest period in order to review his credit status. If you have credit, the bank may consider your application for provident fund loan. 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.

3. Does credit card installment have an impact on provident fund loans?

Credit card installment will not affect provident fund loans. ; The application conditions for provident fund loans are: having a permanent and valid account in the town where the loan is located, and being able to 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.

4. Will credit card installment affect provident fund loans?

Credit card installment will not affect provident fund loans.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans, and generally meet the following 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 paid normally for more than three consecutive months (or six months), and the provident fund has not been withdrawn to pay the down payment for house purchase, and there is no balance of provident fund loans;

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.