Credit information content of provident fund loan:

First of all, the applicant can go to the credit department of the local bank to check his credit report and see if there is any overdue record on the credit card. Because if the applicant's credit card is overdue for a short time, the credit card will be paid off before the bank reports the credit information, and some banks may be lenient and will not record the applicant's overdue situation in the credit information system.

Secondly, if there are indeed overdue records in the credit report, if the overdue times are few and the overdue time is short, and the applicant meets the conditions of provident fund loans and there is no problem in repayment ability, then the overdue has 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 conduct a comprehensive review of the applicant's income and provident fund payment.

Under normal circumstances, compared with commercial loans, provident fund loans have lower requirements for credit reporting, but if the overdue period is serious, it will also affect the application for provident fund loans.

When applying for a loan, a lending institution will require the borrower to provide proof materials such as bank statements and credit reports. Don't underestimate a small credit report. You should know that some situations reflected in the credit report will directly affect the examination and approval results of the applicant's loan application.

Extended data

1, personal credit record is good. According to bank regulations, if the borrower's credit record appears three times or six times in a row within two years, then the applicant bank is likely to be rejected.

2. Whether the debt ratio is too high. Although you can also apply for loans for existing liabilities, if the borrower's debt ratio is too high, the bank will worry about the applicant's repayment ability, so it will not lend to the applicant easily. Generally speaking, the borrower's total debt ratio cannot exceed 50% of the total income, otherwise it is difficult to apply for a loan.

3. Whether the spouse's credit record is good. If the borrower is married, the bank also needs to check the credit status of the borrower's spouse when applying for a loan. If the spouse has bad credit, it will directly affect the loan.

Therefore, no matter which way you apply for a loan, the borrower's credit record is more critical. More often, a good credit record can not only increase the chances of loan success, but also increase the loan amount.