1. What are the credit requirements for Zhengzhou provident fund loans?

Credit requirements for provident fund loans

The credit requirements for general provident fund loans are:

1. No excessive liabilities:

That is, the credit records of the borrower and his spouse cannot have too many unpaid loan records.

2. No serious overdue behavior:

That is, the borrower and his spouse cannot have serious credit card or loan overdue records.

If a borrower has used a credit card and has been overdue three times in a row or six times in total within two years, it is very likely that the borrower will be directly denied a loan. If you want to eliminate the overdue record, the cardholder needs to continue to use the credit card and repay it on time. After two years, the previous bad record can be covered with a good credit record, and it can be completely eliminated after 5 years.

2. Zhengzhou Railway Provident Fund depends on the credit report within several years

Provident fund loans generally require loan applicants to meet the credit report requirements, which are that there must be no overdues currently and no two overdues in the past six months. , there must be no 3 consecutive overdue records within two years (no 3 on the personal credit report), and no 6 overdue records in two years (too many overdue records, poor repayment habits, banks will avoid risks and will not lend).

3. The provident fund loan approval in Zhengzhou has been approved, why is the bank delaying in disbursing the loan

You can check the progress of the loan yourself.

Housing Provident Fund

After opening online banking for most banks’ monthly payment cards, you can check the mortgage repayment record and loan balance on online banking;

Check through the 955 service hotline of telephone banking and the bank’s manual customer service;

Check your personal credit report, and the credit report will also show the loan balance. Hold your ID card and go to the personal loan center where the bank issues loans;

If you know clearly when the interest rate will be adjusted and the interest rate you are executing for the current period, you can also do a professional loan calculation yourself Tools, calculate the monthly payment by yourself.

4. Are there any credit requirements for provident fund loans?

Housing provident fund loans have high credit requirements. Usually provident fund loans must not only meet the conditions, but also have strict credit requirements. Generally, there must be no more than 6 overdues in the past two years and three consecutive overdues. If it is more than 6 times, or three consecutive overdues, you will not be able to apply.

To apply for a housing provident fund loan, there are regulations on the employee’s provident fund payment time. If you want to apply for a provident fund loan, you must meet the requirements of “paying and depositing the housing provident fund in full and normally according to regulations, and paying continuously when applying for a loan.” The basic requirement is to deposit for more than six months (inclusive).

Notes on provident fund loans

Provident fund loans require the ID accounts of both the buyer and the seller, marriage certificate, buyer's income certificate, personal credit report, original property certificate, real estate evaluation report and management center Other materials to be provided.

This is the most basic material and must be fully prepared and detailed. The more complete the materials are prepared at one time, the less time and effort the subsequent procedures will have. If you still have some materials that you are not sure about, call in advance to consult and then prepare.