Credit inquiry records. Credit inquiry will show the inquiry records of the last two years, and will be pushed back according to the day of inquiry in the credit inquiry report, and the inquiry records of more than two years will not be reflected. Under normal circumstances, banks will look at the inquiry records of the last three months or half a year, that is, loan approval, credit card approval, guarantee qualification examination and so on. , and generally there will be different requirements, only the records of the last six months will be queried; Personal housing mortgage, also known as "personal housing mortgage". The amount of personal housing mortgage loans issued by banks is not higher than 80% of the value of houses purchased by real estate appraisal agencies or the actual total cost of houses purchased (whichever is lower). Credit card records only show the last 24 months, and previous records are hard to find. So don't cancel your credit card after you have a bad record, and don't care if the bank urges you to cancel it in time. As long as the cardholder spends at least 1 yuan every month in the next 24 months and repays on time, the previous bad record can be overwritten and a good record can be regenerated without affecting the subsequent credit. Conditions for purchasing a house with provident fund loan: 1. Conditions for applying for provident fund loans to buy a house According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows: First, the housing purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and have been paid into the housing provident fund for six consecutive months before applying for loans. Secondly, the applicant has a stable economic income and no bad credit record. The first suite must pay a down payment of 30% of the house price, and the house below 90 square meters can pay a down payment of 20%. He has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased. Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the joint housing buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children. Second, the housing provident fund loan process: Step 1: Application: The lender provides the information needed for the loan to the provincial provident fund management center as required. Step 2: The bank conducts credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable and it will take some time. Step 3: Sign the loan contract: The lender will sign the loan contract at the bank with relevant information. Step 4: Go through the formalities of housing property insurance and mortgage registration: the loan must go through the formalities of insurance and mortgage registration. Step 5: Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account jointly designated by the borrower and the seller according to the date agreed in the contract, and send the loan receipt to the borrower. Step 6: Loan recovery: The lender will repay the loan according to the loan contract from the next month. Step 7: Loan settlement and cancellation: After the lender pays off the loan principal and interest, the bank will issue a loan settlement certificate and go through the mortgage registration and cancellation procedures.