1. If the loan applicant and his/her spouse's other loans (excluding student loans) are overdue for six consecutive periods or more within two years before applying for the loan, the loan will not be issued.

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 number of personal loans overdue installments in the two years before applying for the loan shall not exceed 3 (inclusive) at most, and the cumulative overdue times shall not exceed 6 (inclusive). Overdue due to bank management and other reasons other than the borrower is not counted.