It won't hurt your reputation unless you haven't paid the loan for three months in a row.

It will cause losses to your funds. The amount you repaid here on June 5, 65438 (I don't know which day you spent it) can't enjoy the interest-free period, which means that you will be charged five ten thousandths of daily interest on this amount (from the day you spent it).

Basic conditions for applying for housing provident fund loans:

Having legal and valid identification;

Having full capacity for civil conduct;

Have a stable occupation and income, good credit status, and the ability to repay the principal and interest of the loan;

Purchase, construction, renovation and overhaul of owner-occupied housing;

There are contracts or relevant supporting documents for the purchase, construction, renovation and overhaul of owner-occupied housing;

Provide customer-recognized guarantees;

Both husband and wife of the borrower have no outstanding housing provident fund loans and housing provident fund policy discount loans;

Deposit conditions: the housing provident fund account has been established for more than 6 months (inclusive).

Remarks: Try to repay the credit card debt. If the overdue period is serious, it will affect future loans.