Do you need to see if your bad record is serious? If the overdue period is serious, not only can you not apply for provident fund loans, but you can't apply for commercial loans. Therefore, it is best to clarify the problem, or send a credit report directly, so as to analyze it in detail.
Mortgage is a mortgage, and the requirements will be lower. Generally, three or five loans are overdue in a single month, and commercial loans can be used. As for provident fund loans, it's hard to say. If you are stricter, you may be rejected.
Overdue records will be automatically eliminated five years after overdue debts are settled. If you can't apply for a mortgage and need to buy a house urgently, you can apply for early elimination through objection appeal without waiting for five years.
2. Can I withdraw the provident fund if my personal credit has a bad record?
Credit history has no effect on the withdrawal of housing provident fund, but it will affect the application for housing provident fund loans.
According to relevant regulations, if the applicant and his spouse appear in the loan records (including bank loans, secured loans or credit cards, etc.) in the personal credit information database of the People's Bank of China. ) has been overdue for three consecutive installments (inclusive) or accumulated more than six installments (inclusive), and in principle, the loan will not be granted.
Relevant certification materials for the withdrawal of provident fund
1. When employees apply for withdrawal of housing provident fund, they should provide their ID card and a copy;
2. Purchase pre-sold commercial housing (including affordable housing). For these people, the Commodity House Pre-sale Contract and the down payment receipt meet these conditions; Purchase of second-hand housing, provide the "real estate sales contract" and "deed tax payment certificate".
As a basic proof; The purchase of housing, provide the "Reconstruction Agreement" printed by the municipal real estate management department and the house payment receipt;
3. For self-built, renovated or overhauled self-occupied houses with property rights, residents who belong to this situation should provide the planning, construction documents or dangerous house appraisal certificate approved by the administrative department, authoritative department or real estate management department of the undertaking bank (we are CCB), and choose one.
The construction contract signed by the property owner and the construction unit, with the original project budget and final accounts and the "Property Ownership Certificate";
4, retired personnel, if the household registration belongs to this situation, should provide the retirement certificate issued by the personnel and labor department, as the relevant proof; If the retirement certificate cannot be provided, under special circumstances, the relevant certificate or retirement certificate issued by the personnel and labor department shall be provided.
3. Can I apply for CCB provident fund housing loans if I have bad secured loans from credit cooperatives?
The landlord tells you that the credit union has docked with the People's Bank of China and major commercial banks on non-performing loans. Last year, they made a special treatment for non-performing loans, so you are basically hopeless!