1. How does it affect my car loan and mortgage if I pay the minimum credit card for a long time?

It depends on the bank. Generally, I'll give you about 2, yuan.

If you apply for a ka and withdraw cash, you can call me.

second, will it affect the mortgage if the minimum repayment amount is paid with CCB credit card for a long time?

if it is difficult for the house owner to repay all the payables before the due repayment date (inclusive), it can be treated according to the minimum repayment amount stipulated by the issuing bank, and the minimum repayment amount is 1% of the consumption amount plus other payables. The minimum repayment amount is listed in

provident fund loan procedures

① Policy consultation

All employees who have paid the housing provident fund should consult with the Insurance Company Limited (hereinafter referred to as the guarantee company) to understand the object, conditions and procedures of the secured loan, and the amount, term and interest rate guaranteed by the main loan.

at the same time, you can check the situation with your ID card and personal provident fund account number to determine whether you meet the maximum and minimum guarantee period. When the borrower applies for a loan, the guarantee company will provide the Application for Guaranteed Loan for Personal Housing Provident Fund for the borrower to fill in.

② Acceptance of the application

If the loan applicant provides relevant information and meets the conditions of secured loan after the preliminary examination by the guarantee company, the loan applicant will pay the fee by the guarantee company's Individual Housing Provident Fund Purchase Charge List and sign the Individual Housing Provident Fund Purchase Guarantee Loan Contract

③ Seal of the real estate company

The borrower asks the real estate company to seal the Individual Housing Provident Fund Purchase Guarantee Loan Contract. The real estate company proposes to

④ implement the repayment method

The borrower will use his ID card to go to the bank where the loan has a credit card to confirm the repayment of the credit card, and at the same time, the signing committee will

⑤ handle the mortgage registration

The loan applicant will handle the mortgage registration formalities in the property trading center.

⑥ Inform the bank to lend money

After the loan applicant has obtained the approval from the guarantee with the proof of completing the mortgage registration formalities and the individual housing provident fund purchase guarantee loan contract promised by all parties to the contract, he will send a Lending Notice to the loan bank to inform him to lend money.

⑦ obtaining personal data

after all the formalities are completed, the guarantee company informs the borrower to collect personal custody data.

Extended information:

Approval procedures

1. Basis for approval

1. Regulations on the Management of Housing Provident Fund

2. Measures for the Management of Housing Provident Fund Loans in XX City

2. Scope of acceptance. Employees who normally pay housing provident fund in our city will purchase, build, renovate and overhaul their own ordinary houses in this city.

2. The housing accumulation fund has been paid in full for more than 12 months continuously, or it has been paid for more than 12 months continuously after withdrawing the accumulation fund;

3. Purchase, build and double-use commercial and residential houses in the city area) and have the relevant procedures, documents and self-financing in a specified proportion

4. Have the ability to stabilize the principal and interest of income;

5. Agree to guarantee according to the guarantee method approved by the Provident Fund Center;

6. Agree to fulfill the repayment obligations on time in accordance with the relevant provisions of this Loan Contract;

7. Other conditions stipulated by laws, regulations, rules and provident fund centers.

IV. Application materials The borrower applies for a loan and provides the following information according to different situations

1. To purchase commercial housing and affordable housing, it is necessary to provide the Pre-sale Contract for Commercial Housing (Affordable Housing) and a down payment document of not less than 2% of the total house price;

2. For self-built, renovated or overhauled self-occupied ordinary houses, the planning, construction, construction contract and project budget or final accounts approved by the building door shall be provided;

3. To buy a second-hand house, you need to provide the Real Estate Sales Contract and deed tax payment certificate;

4. When the unit raises funds to build a house, it is required to provide the approval documents for raising funds to build a house, the payment documents for raising funds, and

5. Proof of the borrower and his spouse's valid residence;

6. Real estate appraisal agency;

7. Guarantee certificate issued by the guarantor and the guarantor's valid identity certificate;

8. Guarantee certificate issued by the real estate home purchase guarantee company;

9. Other materials required by the Provident Fund Center.

V. Procedures

1. The borrower receives and truthfully fills in the Application Form for Housing Provident Fund Loan from all branches of the Provident Fund Center, and submits it to the Provident Fund Center for review with relevant materials;

2. All branches of the Provident Fund Center put forward suggestions on the loan amount and term through the examination of the authenticity of the borrower's house purchase and repayment ability. After passing the preliminary examination and being signed by the person in charge of the branch, they will report to the Municipal Provident Fund Center for approval;

3. After examination, the Municipal Provident Fund Center makes a decision on granting or not granting the loan, and transfers the loan materials back to all branches;

4. If the loan is granted, the branches of the provident fund center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties, sign the Housing Provident Fund Loan Contract, and go through the mortgage guarantee procedures; For those who do not meet the loan conditions, the branches shall notify the loan applicant and explain the reasons;

5. The entrusted bank issues loans to borrowers.

VI. Time limit for processing

1. Acceptance and review. The first trial time of the branch shall not exceed 2 working days from the date of accepting the loan application, and may be extended by 3 working days when the batch is large or there are other special circumstances;

2. review and approval. The examination and approval time of the municipal provident fund center shall not exceed 3 working days after receiving the loan materials submitted by each branch.

seven, the charging standard, no charge.