Personal credit card or loans overdue has been overdue for three consecutive months, or accumulated more than six times in two years, so it is impossible to apply for provident fund loans. At present, when banks or provident funds handle credit business, they mainly rely on the credit records of lenders in the last two years. Therefore, cardholders who intend to apply for provident fund loans to buy a house should not use credit cards easily, and must ensure timely repayment.
2. Personal credit is bad, and the interest rate of commercial loans should be raised.
If some people want to borrow money to buy a house, their credit cards are overdue many times, which leads to poor personal credit information. Then you can't apply for a provident fund loan, you can consider using a commercial loan. However, due to the influence of bad credit records in the past, most banks will raise the benchmark interest rate by 10%. Of course, if you are overdue seriously and too many times, the bank will not approve your loan application.
Therefore, I want to remind you that banks attach great importance to personal credit records whether you want to buy a house with a loan or not. Bad credit records may also affect your credit card application or installment payment. If you have a bad credit record, don't blindly cancel the credit card you are using, ensure rational consumption and repay in full and on time. After five years, bad credit records will be automatically eliminated.