Does overdue credit card records affect provident fund loans

1. Positive answer

Whether it is an overdue loan or an overdue credit card, as long as there is an overdue debt that has not been settled, the user If you apply for a provident fund loan, you will not be able to pass the loan review.

2. Specific analysis

Users who apply for provident fund must ensure that their personal credit report is good. If their personal credit report is bad, they will not be able to pass the provident fund loan review.

In addition, if the credit report is overdue, it will not affect the provident fund loan.

In addition, users applying for provident fund loans must also meet other application conditions, so that the success rate of passing the provident fund loan review is high.

Just check at: Beijian Quick Search. Click Query and enter the information to query your own credit data, query your personal credit status, Internet black index score, blacklist status, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and Internet Important data information such as loan and credit limit estimates, etc.

3. Will provident fund loans be affected if the loan is not 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 debt before they can apply for a provident fund loan, then although this type of loan is not overdue, it will also affect the user's application for a provident fund loan. .

As the user’s debt ratio is not high and the previous loan is not overdue, it will not affect the user’s application for a provident fund loan at this time.

For users, if the loan is not overdue, it can only be said that there is no overdue record. Whether it will affect subsequent applications for provident fund loans depends on the answer given by the bank.

Will an overdue credit card affect the housing provident fund loan

Whether an overdue credit card affects the loan depends on the regulations of the local provident fund center, taking Shenzhen as an example:

"Shenzhen Housing Provident Fund Loan Management Regulations"

Article 12 If the applicant or *** and the applicant have the following credit records when applying for a provident fund loan, the provident fund loan will not be granted:

< p>(1) A single loan has been overdue for one period more than eight times in the past 24 months, or has been overdue for two or more periods, or has been overdue for three periods or more continuously in the past 24 months;

( 2) A single credit card (including quasi-credit card) has a record of being overdue for one issue more than eight times in the past 24 months, or overdue for two or more times, or overdue for three times or more continuously in the past 24 months;

(3) The status of a single credit card (including quasi-credit card) has been "bad debt", "frozen" or "stop payment" in the past 24 months;

(4) The loan has been Special transaction records such as "repayment by the guarantor" or "debt payment with assets".

Extended information:

The use of provident fund loans stipulated by law:

"Housing Provident Fund Management Regulations"

Article 26 Employees who have paid into the housing provident fund can apply for a housing provident fund loan from the housing provident fund management center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

Article 27 Applicants who apply for housing provident fund loans shall provide guarantees.