As long as it's not overdue.

Basic conditions for applying for housing provident fund loans:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

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

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

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

Provide the following information:

1, the deposit certificate of the applicant's and spouse's housing provident fund;

2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4, the purchase of housing contracts, agreements and other valid documents;

5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor jointly sign a tripartite contract.

Other information required by the provident fund center:

1. For the loan application with complete information, the bank will accept and review it in time and submit it to the provident fund center in time;

2, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results;

3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

2. Does high credit card debt affect provident fund loans?

It will have an impact on provident fund loans. If the debt is too high, the bank will refuse the loan.

Apply for provident fund loans must meet the following conditions:

1. The borrower is a natural person of People's Republic of China (PRC) nationality with full capacity for civil conduct;

2. When applying for provident fund loans, an account has been opened and remitted in full, and the period is not less than the period announced by the management center regularly;

3, with legal and effective housing sales contracts or documents approved by the relevant departments to build and repair houses;

4. The down payment for house purchase shall not be less than the specified proportion;

5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability;

6, the purchase, construction and repair of housing land is state-owned land; Take the house purchased, built or repaired as collateral.

3. Will credit card arrears affect provident fund loans?

No. But if you want to buy a house, you must manage your credit information. Credit cards must not be overdue. There are also products that can be cashed out, such as borrowing treasures and micro-loans, which all belong to the category of loans. No matter how much you borrowed, even 100 or 200 yuan's small money, it will be recorded in the credit report. If your credit report has multiple loan records within half a year, the bank may think that your current cash flow is unstable, and to be honest, you are short of money, which will affect the approval of housing loans and so on. Refuse the loan, or increase the loan interest rate to you according to the situation. In other words, even if you pay off these consumer loans and they are not overdue, the bank will still have reason to doubt your repayment ability because of the loan record. Because the state stipulates that these consumer loans are strictly prohibited from entering the property market, if you plan to buy a house within six months, you should use these platform loans carefully.

4. Does high credit card debt affect provident fund loans?

It depends on the level of debt. High debt has an impact, while low debt has little impact.

Materials required for housing provident fund loans:

1.

Household registration books of the borrower and his spouse;

2.

Resident identity cards of the borrower and his spouse;

3.

Proof of the marital status of the borrower;

4.

Proof of down payment for house purchase;

5.

Credit status report of the borrower and his spouse printed by the bank;

6.

Housing sales contracts or agreements that comply with the law.

Housing provident fund handling conditions:

1.

Individuals and their units must continue to pay housing provident fund for one year;

2.

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3.

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1.

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

2.

After receiving the application, the loan bank shall confirm and review the information;

3.

After the audit, the loan bank contacts the lender and signs the relevant contract;

4.

For bank loans, the lender shall fulfill the repayment obligation.