Yes, you can also use provident fund loans in case of overdue repayment. However, overdue repayment may have a certain impact on your loan application.
Detailed description:
1. Bank approval: Banks usually consider the applicant's credit history when approving loans. If you have a record of overdue payment, the bank may be worried about your repayment ability and credit status.
2. Loan amount and interest rate: overdue repayment may lead to a decrease in your loan amount or require you to pay a higher interest rate, because the bank will increase the loan risk premium. This means that you may not be able to get the required loan amount or pay more interest.
3. Remedial measures: If you have a record of overdue repayment, I suggest you take remedial measures in advance to improve your credit status. Repaying the arrears in time and keeping repayment records will increase your chances of applying for a loan in the future.
Summary:
Despite the record of overdue repayment, you still have the opportunity to use provident fund loans. However, overdue repayment may have a certain impact on loan approval, quota and interest rate. Therefore, I suggest you actively improve your credit status to improve the success rate of applying for loans.
Extended data:
If you want to know more about your credit situation and how to improve your credit record, you can consider Eagle Heart to quickly query credit big data. In this way, you can get your personal credit report and score, understand your credit status and take corresponding measures to improve your credit score.
Note: The above answers are for general guidance only, not specific laws or banking policies. The specific situation may vary according to regional and banking policies. Please consult your local bank or relevant institutions for accurate information when applying.