It has an impact. When applying for a provident fund loan, there are requirements for personal credit: before applying for a provident fund loan, the maximum number of overdue periods for personal loans within two years of the personal credit report shall not exceed 3 (inclusive), and the cumulative number of overdue periods shall not exceed 6 (inclusive). . If your credit does not meet this condition, you will not be able to apply for a provident fund loan. You will have to wait until there are fewer overdue records in your credit report within two years. Article 26 of the "Housing Provident Fund Management Regulations" stipulates that employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.