Will Yan 'an Provident Fund Loan Check Credit Information? What are the requirements?

All parts of the country can apply for provident fund loans, the essence is the same, but the conditions will be slightly different. When applying for provident fund loans, first submit the corresponding materials to the provident fund management center or the entrusted bank for approval.

Will Yan 'an Provident Fund Loan Check Credit Information?

Yan 'an Provident Fund Loan Association will check the credit information, not only the credit information of the lender, but also the credit information of the lender's spouse. When applying for provident fund loans, you need to provide personal credit reports of lenders and their spouses, and you need a detailed version.

Basic situation of Yan 'an provident fund loan:

1 The borrower has full capacity for civil conduct, and the credit records of himself and his spouse are good.

2. The borrower has paid the housing provident fund in full monthly for more than 6 consecutive months.

The borrower has stable income and reasonable solvency.

There are no outstanding housing provident fund loans or two or more commercial housing loans under the names of the borrower and spouse.

5. The borrower's actual age is not greater than the statutory retirement age, and he has not gone through the retirement formalities.

On the basis of the above conditions, the guarantor of the housing provident fund loan may apply for the housing provident fund loan if the guaranteed loan principal and interest repayment is not overdue for three consecutive years or more than three consecutive years.

Materials to be provided for provident fund loans: valid identity documents of the borrower and spouse, proof of marital status and household registration book. Detailed credit report of the borrower and spouse (inquired by the People's Bank). Borrower's bank card (used to repay the loan). Purchase contract. House purchase down payment voucher.

The conditions of Yan 'an provident fund loan are as mentioned above. In the process of applying for provident fund loans, there can be no withholding of provident fund, and there can be no new overdue records.