Occasionally overdue loans have no effect on housing provident fund loans, and provident fund loans can be made. Personal credit requirements for housing provident fund loans;

During the process of the lender's provident fund loan, the bank will check the lender's credit record through the credit information system of the People's Bank of China.

If the loan applicant or his spouse has outstanding overdue loans, and the loan applicant's quasi-credit card or credit card overdraft is overdue, the loan will not be granted.

If the quasi-credit card in the personal credit report of the borrower and co-borrower has been marked with "1" or "2" for 24 consecutive months, but it has not been marked with "3", it does not belong to the scope of bad credit in principle.

When the personal credit record within 24 months meets the above personal credit conditions, you can apply for a housing provident fund loan.

2. Does the overdue credit card affect the provident fund loan?

Usually, a short overdue period will not affect it. If there are many overdue times, it will affect the provident fund loan.

To apply for housing provident fund loans, the requirements for credit are as follows:

In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 times (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to reasons other than the borrower's operation and management.

3. Does the overdue credit card affect the provident fund loan?

Usually an overdue period will not be affected for a short time. If there are many overdue times, the personal loans overdue shall not exceed 6 times (inclusive) in the 2 years before applying for the loan, and those overdue due to reasons other than the borrower's operation and management shall not be counted.

Four, loans overdue once, does it affect the provident fund loan to buy a house?

In the first 65,438+00 months of 2065,438+04, employees handled more than 765,438+00,000 withdrawals of provident fund through self-service channels, of which 565,438+00,000 applications were submitted after working hours. The person in charge reminded that if employees want to handle the withdrawal business through the above-mentioned self-service channels, they need to sign the "Shenzhen Housing Provident Fund Business Self-service Agreement" with the Municipal Provident Fund Center first, and the service can be opened free of charge after the agreement is signed. The person in charge suggested that employees who have not signed the self-service agreement can sign this agreement at the provident fund business bank outlets, or sign this agreement at the same time when handling the withdrawal business at the provident fund business bank outlets. To sign this agreement, you only need to bring your ID card and joint housing provident fund card.

In addition, employees who signed the Agreement on Self-service Handling of Housing Provident Fund Business in Shenzhen before July 20 14 must log in to the online service hall of the Provident Fund Center and upgrade the agreement according to the prompts before handling the provident fund business at the self-service terminal. Employees who only signed the old version of the online service agreement of Shenzhen Housing Provident Fund can also upgrade directly to the latest version of the self-service agreement in this way, without having to re-sign it at the counter.

In accordance with the new rules of Shenzhen provident fund withdrawal, if you use self-service channels to withdraw housing consumption such as renting, you can withdraw it once a month from 201411.