Does not affect. If there is a loan, but it is not overdue, it will be settled in full. This is a good performance of credit reporting and will not affect your provident fund loan.

Second, does the provident fund loans overdue affect housing loans?

Legal analysis: loans overdue's credit information of provident fund affects personal credit information.

General defaults include: 1, housing accumulation fund reaching more than 3 (inclusive) and 6 (excluding overdue accumulated amount reaching more than 3 (inclusive) and less than 6 (excluding student loans); 3. The accumulated overdue period of the credit card in the past two years has reached more than 3 periods (inclusive) and less than 6 periods (excluding annual fees); 4. Number of attempts in the past three years: 5. The debts that have been handled have been registered by the relevant departments; 6. Other personal information recognized by the management center that should enter the category of general dishonesty.

The accumulated overdue loan of Yan has reached more than 6 periods (inclusive); 2. Commercial loans and credit cards are overdue; 3. In the last 2 years, the accumulated overdue commercial loans have reached more than 6 periods (inclusive) and no reasonable explanation has been issued (except for student loans); 4. The credit card has been overdue for more than 6 periods (inclusive) in the past two years without a reasonable explanation (except annual fee); 5, in the past 5 years to take illegal means to extract housing provident fund or housing provident fund loans; 6, nearly 2 years have been registered by the relevant departments of serious or endangering social security behavior; 7. Debt is still being recorded; 8. Other personal information identified by the management center that should enter the category of serious dishonesty.

According to different situations, citizens who are recorded in the record of dishonesty will be restricted from withdrawing provident fund and loans.

Individuals who are classified as seriously untrustworthy in the classification of credit information are not allowed to handle all withdrawal business. Second, if it is classified as a serious breach of trust, and only the overdue housing provident fund loan is allowed, the housing provident fund loan business will be returned. Individuals are classified in the classification of credit information, and they are only allowed to buy the only self-occupied house, major illness and minimum living allowance. In terms of provident fund loans, individuals are listed as eligible for housing provident fund loans in the classification of credit information.

Legal basis: Regulations on the Management of Housing Provident Fund

Fifth housing provident fund should be used for the purchase, construction and decoration of employees, and no unit or individual may use it for other purposes.

Sixteenth workers housing provident fund monthly average wage multiplied by the employee housing provident fund deposit ratio.

The average monthly salary of housing paid by the unit for employees multiplied by the unit housing provident fund.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lost the ability to work.

(4) Having left the country to settle down;

(5) Repaying the house purchase loan.

(six) the rent exceeds the family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

The heir or legatee of the employee's death may withdraw the storage balance in the employee's housing provident fund account; If there are no heirs or beneficiaries, the indoor storage balance will be included in the value-added income of the housing provident fund.

3. Yes, will it affect the approval of housing provident fund?

As long as the loan is repaid on time, it will not affect the approval of the provident fund.

The borrower shall first submit the information to the entrusted bank, sign the application form after approval, and the entrusted bank shall report it to the housing provident fund center for approval. If the housing provident fund center passes the examination and agrees to lend money, the borrower shall go through the mortgage formalities, sign a loan contract with the entrusted bank and the housing provident fund center, and the housing provident fund center will transfer the money to the entrusted bank, and the entrusted bank will transfer the money to the selling unit.