If the credit card has arrears, but it is not overdue, it will not affect the approval of provident fund loans. If there is a letter, it will affect the approval of housing provident fund loans.

According to the loan conditions stipulated in Zhengzhou Center's Notes on Housing Provident Fund Loans:

1. owned by the borrower and its spouse.

2. Paid specified proportion = total house payment, unpaid house payment;

3. The borrower has paid the housing accumulation fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and recently

4, the family income is stable, good reputation, can repay the loan principal and interest.

5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;

6. The borrower and spouse have no outstanding housing provident fund loans or large debts.

Extended data:

Article 5 A borrower shall meet the following conditions:

A, with permanent residence in cities and towns or

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

4. Not less than 30% of the total price of the purchased house is used as the down payment for the purchase; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

Intransitive verb lender