If your credit card is overdue two years ago, you can apply for a housing provident fund loan.

Housing provident fund loan process:

(1) Borrower applicant consultation

Borrower applicants should go to the loan handling department or call the loan handling department to apply for housing provident fund Loan consultation and preparation of housing provident fund loan related materials.

(2) The loan applicant shall go to the loan handling department for preliminary review and related evaluation

1. The borrower applicant shall bring the required materials for housing provident fund loan application to the loan handling department for preliminary review of the provident fund loan.

2． If a personal credit assessment of a loan applicant is required according to regulations, the borrower must sign the Credit Assessment Authorization Letter under the supervision of the staff of the loan handling department.

3. The staff of the loan handling department prints relevant documents and informs the loan applicant how to handle the next step.

4. If it is necessary to evaluate the house purchased by the borrower applicant according to regulations, the staff of the loan handling department will also issue a "Collateral Assessment Notice" to the borrower applicant, and the borrower applicant or an agent shall go to the evaluation center designated by the Beijing Housing Provident Fund Management Center. Institutions apply for collateral appraisals.

(3) The loan applicant is waiting for telephone notification

1. The staff of the loan handling department will conduct a review based on the materials required for the loan provided by the borrower applicant and the evaluation results of the relevant institutions. If it is necessary to communicate with the borrower applicant by phone, the staff will contact the loan applicant through the contact information provided by the borrower applicant. Make phone calls to verify and confirm.

2． If the loan applicant chooses the guarantee method as guaranteed by the guarantee center, after the guarantee review is passed, the guarantee center staff will notify the borrower of the time for signing the loan-related contract, the documents that need to be brought, and the guarantee service fee that needs to be paid. ; If the loan applicant chooses a non-guarantee center guarantee, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will notify the borrower of the time and required materials for signing the loan-related contract.

(4) The loan applicant signs the relevant contract

1. According to the interview time notified by phone, the borrower applicant must bring the materials required for the housing provident fund loan interview to the loan handling department to complete the signature procedures. For borrowers who need to pay evaluation fees and guarantee fees, they must first go to the designated counter to pay the fees and receive invoices.

2． The loan applicant and co-applicant, mortgagor and pledger complete the signing procedures of the "Loan Contract" and other relevant contract documents under the guidance of the staff of the loan handling department.

(5) Bank loan

The borrower applicant will go to the bank to collect the borrower's relevant contract documents after waiting for the bank loan.

(6) Monthly repayment

The borrower shall repay the loan on a monthly basis in accordance with the provisions of the "Loan Contract".