In the impression of many people, provident fund loans mainly depend on the amount and continuity of provident fund deposits. In fact, in order to successfully deposit, the amount and continuity of provident fund deposit are only one of the references, and personal repayment ability and debt situation are also one of the conditions that affect provident fund loans. So, did you buy a house with credit card debt and high-energy provident fund?

Credit card debt, high-energy provident fund to buy a house?

Credit card debt is high, and you can generally use the provident fund to buy a house. Housing provident fund loans mainly check your credit history. If the debt is high and it is not overdue, it will have little impact. If it is overdue, it will affect your housing provident fund loan, and the overdue record will be recorded in your central bank's credit report. Not only provident fund loans, but also other loans will be affected, so you must develop the good habit of repaying on time.

One of the conditions for buying a house with provident fund loan is that the borrower should have a stable economic income and the ability to repay the principal and interest of the loan, have a good personal credit report, and have no other debts that affect the repayment ability of the loan. If your personal debt is too high, any lending institution will consider your repayment ability, and the platform will reduce your credit line accordingly. The second thing that affects your provident fund loan is the amount of your provident fund every month and the balance in your provident fund card, so the more money in the provident fund card, the better.