If China Loan applies for a loan according to the actual accounting, according to the housing loan amount calculated by the provident fund, the lending institution requires the loan to provide proof materials such as bank running water and credit report. Be sure to read the credit report, knowing that the credit report reflects some situations that directly affect the application for loan approval.
Second, can provident fund loans still be credit loans? What are the requirements?
At present, there are two options for mortgage loans: commercial loans and provident fund loans. Compared with commercial loans, the interest of provident fund loans is cheaper, so most people will choose provident fund loans.
Can provident fund loans be used as credit loans?
Yes, you can still apply for other credit loans after applying for provident fund loans. As long as the provident fund loan is not overdue and you have the repayment ability, you can also apply for a credit loan. Moreover, after applying for provident fund loans, it shows that the comprehensive credit conditions of users meet the loan conditions, so basically as long as the personal debt ratio of users does not exceed 50%, the loan pass rate is still very high.
The conditions for handling credit loans are very simple, and you can apply quickly without providing collateral and guarantee. When applying for a loan, the user needs to be a natural person with natural civil capacity, with stable income and repayment ability, personal debt ratio not exceeding 50%, and good personal credit. Basically, the loan application can be passed.
After the loan credit loan is successfully handled, the user needs to return the monthly payment twice a month. Once this happens and there are two overdue records at the same time, it is a serious overdue consequence. Moreover, the provident fund going to loans overdue will not only be harmful to personal credit, but also lead to the house being repossessed if it is overdue. Therefore, there is no need to apply for other loans after you have a mortgage, which will aggravate the overdue situation.
3. Can the credit score of the provident fund be loaned?
The provident fund can't be borrowed, it can only be used by me, and it needs special funds. General provident fund can be used to buy a house, to build or transform your own house, and to rent a house. You can apply for account cancellation or retirement. For details, please refer to the relevant regulations of the local provident fund management center. In addition, if you apply for a provident fund loan, you can use it with your spouse's provident fund if your personal balance is insufficient, but you can't borrow it from others.
4. Can I apply for Taicang pure provident fund loan if my credit card is overdue?
According to the relevant regulations, borrowers and their spouses who have more than three records in loans overdue are not allowed to apply for housing provident fund loans again, because overdue records will affect the provident fund loans.