1. Will high personal credit card debt affect provident fund loans? Is the debt 10W?

If your personal debt is too high, any lending institution will consider your repayment ability. Reduce the credit limit granted to you accordingly. The second factor that affects your provident fund loan is your monthly provident fund payment and how much money you have in your provident fund card (if you want an easy loan, don’t withdraw your provident fund before taking out a loan). The more money in your provident fund card, the better. Let’s see what others say.

2. My total credit card debt is RMB 100,000. Will it affect my application for provident fund loan?

If the repayment is normal, there will be no overdue record. Loans can be processed normally.

Let’s see what others say.

3. Will high personal credit card debt affect provident fund loans? Is the debt 10W?

It will have an impact. You can apply for a loan after paying for 6 consecutive months. To apply for a provident fund loan, you must meet the following conditions:

1. The borrower is a natural person with the nationality of the People’s Republic of China with full capacity for civil conduct;

2. When applying for a provident fund loan Have opened an account and paid continuously and in full, and the period is not less than the period regularly announced by the management center;

3. Have a legal and valid house sales contract or certification documents approved by relevant departments for housing construction;< /p>

4. The down payment amount for the purchase of a house shall not be less than the prescribed proportion;

5. The borrower has a stable economic income and the ability to repay the principal and interest of the loan, and has a good personal credit rating, with no impact Other debts related to the loan repayment ability;

6. The land purchased and built for housing is state-owned land; the house purchased and built is used as a mortgage guarantee.

4. I have a credit card debt of NT$500,000. Can I get a provident fund loan?

You have a credit card debt of 500,000. It is not certain whether a provident fund loan can be obtained.

If you have a credit card debt of 500,000, it must be repaid in installments. Each installment is on track and has not been overdue. You can apply for a provident fund loan.

If your credit card installment payments are overdue multiple times or for a long time, this will affect your provident fund loan.