Provident fund loans have strict personal credit requirements.

First of all, applicants can go to the credit reporting department of the local bank to check their credit report to see if there is any overdue credit card record. Because if the applicant's credit card is overdue in a short period of time and the credit card has been paid off before the bank reports it to the credit report, some banks may be lenient and will not record the applicant's overdue credit card in the credit report system.

Secondly, if there is indeed an overdue record in the credit report, if the number of overdues is small and the overdue time is short, and the applicant meets the provident fund loan requirements and there is no problem with the repayment ability, then the overdue provident fund loan application will be considered for the applicant. The impact is not big. If the overdue situation reflected in the credit report is serious, the Provident Fund Center will conduct a comprehensive review based on the applicant's income, provident fund payment status, etc.

Under normal circumstances, provident fund loans have lower credit requirements than commercial loans, but if the overdue amount is serious, it will also affect the provident fund loan application.

When applying for a loan, the lending institution will require the borrower to provide bank statements, credit reports and other supporting materials. Do not underestimate a small credit report. You must know that the credit report reflects Some situations will directly affect the approval result of the applicant's loan application.