Requirements for credit when applying for housing provident fund loans;
In the personal credit report, the longest overdue personal loan within two years before applying for the loan is no more than 3 times (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding the overdue due to reasons other than the borrower's operation and management.
Second, does the suspension of provident fund loans affect normal repayment?
The interruption of the housing provident fund loan will not affect the repayment, but before the loan is paid off, the balance in the relevant user's provident fund account cannot be withdrawn.
The interruption of housing provident fund loans may affect the loan interest rate, and the interruption may be judged as occupying welfare. When the interruption lasts for three consecutive months, the provident fund management center has the right to terminate the provident fund loan contract or implement the commercial loan interest rate.
After applying for a loan, you need to repay it on time to avoid the influence of bad records such as overdue on your credit information and bring troubles to your later life.
3. Will overdue credit cards affect housing provident fund loans?
Bad credit card records will affect housing provident fund loans. First of all, the housing provident fund loan itself belongs to bank loans, and bank loans have very strict requirements for personal credit information, usually requiring no bad credit information records; Bad credit card records will be directly recorded in personal credit information, which means that personal credit information is tainted. : Consequences of overdue 1. There will be liquidated damages, generally the minimum repayment amount, 5% of the unpaid part. 2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary. 3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. 4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility. According to the Notice on Printing and Distributing the Management Measures for Credit Card Business: Article 18 The maximum overdraft period of a credit card is 60 days. Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount. Article 20 The overdraft business of each card-issuing bank shall be managed according to its credit scale. Overdraft is transferred to short-term loan accounting. Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank. Twenty-second special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge cardholders extra fees for using credit cards. Twenty-third special units shall not pay cash to cardholders by pressing cards, signing bills, returning goods, etc. Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent. Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card. Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards. Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account. The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.
4. Does the monthly commercial loans overdue affect the housing accumulation fund?
If you don't freeze your provident fund, it won't affect you, but your credit history will be greatly affected and will be eliminated after 5 years.