Does the overdue credit card record affect the provident fund loan
1. A positive answer
No matter whether loans overdue or the credit card is overdue, as long as the overdue arrears are not settled, users will not be able to pass the loan review if they apply for provident fund loans.
II. Specific analysis
When applying for provident fund, users must ensure that their personal credit information is good, and when their personal credit information is poor, they cannot pass the provident fund loan review.
in addition, the overdue credit report will not affect the provident fund loan.
in addition, users must meet other application conditions when applying for provident fund loans, so that the success rate of passing the provident fund loan review is high.
just check it in: beijian. Click "Query" and enter the information to query your own credit data, including your personal credit status, Internet black index score, blacklist, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.
third, did the loan not affect the provident fund loan due to overdue?
The loan is not overdue. If the user's current debt ratio is too high and the bank requires the user to pay off the arrears before applying for provident fund loans, this kind of loans will also affect the user's application for provident fund loans.
The user's debt ratio is not high, and the previous loan is not overdue. At this time, it will not affect the user's handling of provident fund loans.
For users, the loan is not overdue, only that there is no overdue record. Whether it will affect the subsequent application for provident fund loans depends on the reply given by the bank.
can I still make provident fund loans when my credit card is overdue?
if the credit card is overdue, you can't apply for provident fund loans. Because if your credit card is overdue for a short time, you can pay off your credit card before the bank reports the credit information, and some banks may be lenient and will not record your overdue in the credit information system. Secondly, if there are indeed records in the credit report that are overdue, if the overdue times are few and the overdue time is short, and you meet the requirements of provident fund loans, there is no problem in repayment ability, then the overdue will have little impact on the applicant's application for provident fund loans. If the overdue situation reflected in the credit report is serious, the provident fund center will comprehensively review the applicant's income and provident fund payment.
Brief introduction of housing provident fund:
1. It refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
2. In 211, the Ministry of Housing and Urban-Rural Development, in conjunction with various departments, is studying the revision of the provident fund regulations, and releasing the provision that individuals withdraw provident fund to pay housing rent. In 213, some cities introduced measures to allow employees with major diseases or their immediate family members to withdraw provident fund for emergency. In 214, the three departments issued a document to cancel the housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, so as to reduce the burden on loan workers. In 215, the Regulations on the Management of Housing Provident Funds stipulated that the contribution ratio of employees and units' housing provident funds should not be lower than 5% and not higher than 12%. From February 21, 216, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year time deposit benchmark interest rate, and the increased interest rate was 1.5%.
3. On September 17, 218, Beijing adjusted the housing provident fund personal housing loan policy, and it can lend 1, yuan every year, and the highest loan can be 1.2 million yuan after 12 years of deposit. On October 23, 219, the housing provident fund withdrawal business no longer submitted a paper withdrawal application.
Will one overdue credit card affect the housing provident fund loan?
Whether the overdue credit card affects the loan depends on the regulations of the local provident fund center. Take Shenzhen as an example:
Provisions on the Administration of Housing Provident Fund Loans in Shenzhen
Article 12 If the applicant or * * * has the following credit records when applying for housing provident fund loans, the provident fund loan will not be granted:
(1) A single loan is nearly 24.
(2) A single credit card (including quasi-credit card) has been overdue for more than 8 times in the last 24 months, or overdue for more than 2 times, or overdue for more than 3 times in a row;
(3) The status of a single credit card (including quasi-credit card) in recent 24 months is "bad debt", "frozen" or "payment stopped";
(4) the loan has been repaid by the guarantor or paid off with assets.
Extended information:
Use of provident fund loans stipulated by law:
Regulations on Housing Provident Fund Management
Article 26 Employees who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities.
the risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27 An applicant who applies for a housing provident fund loan shall provide a guarantee.