Overdue records will affect your national provident fund loan.

1. If the loan applicant and his spouse have overdue loans or overdue overdrafts with credit cards or quasi-credit cards, the loan application will not be accepted.

Solution: Inquire in the credit information system of the People's Bank of China, and you can apply for a loan only if it has changed from overdue to normal.

2. If other loans (excluding student loans) are overdue for 3 to 5 consecutive periods within 2 years before the loan applicant and his spouse apply for loans, the maximum loan amount will be reduced by 20% on the basis of the maximum loan amount announced by the Beijing Housing Provident Fund Management Committee.

Second, will the overdue repayment of credit cards affect the housing provident fund?

1, which will affect provident fund loans.

2. It mainly depends on the overdue time, which varies from place to place. For example, if the personal credit report shows that the applicant's bank card has been overdue for more than three consecutive periods (inclusive) or accumulated for more than six periods (inclusive) in the past 24 months, the loan will not be granted.

3. It is recommended to consult the local provident fund management center. Commercial loans can be made without provident fund loans.

3. How many times does the overdue credit card affect the provident fund loan?

1, the loan applicant and his spouse have no loans in other loans (excluding student loans) or above.

2. Other loans here mainly refer to the use records of credit cards. If the credit card is overdue for more than 6 times in 2 years, you will not be able to obtain provident fund loans.

3. In the personal credit report, the personal loans overdue shall not exceed 3 times (inclusive) in the two years before applying for the loan, and those overdue due to non-borrower reasons such as bank management shall not be counted.

4. Does overdue affect provident fund loans?

Legal analysis: influential. When applying for provident fund loans, there are requirements for personal credit: before applying for provident fund loans, the personal loans overdue should not exceed 3 times (inclusive) in two years, and the cumulative overdue times should not exceed 6 times (inclusive). If the credit does not meet this condition, then you can't apply for provident fund loans, and you can only wait for less overdue records in the credit report within two years.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.