Credit inquiry of provident fund loan

how many years has the provident fund loan been investigated? The most important of these aspects

When handling bank loans, it is necessary to check the lender's personal credit information, and provident fund loans are naturally unavoidable. After receiving the lender's loan application, banks often check the lender's credit information report in the central bank's credit information system on the grounds of loan approval. The credit report will record the credit situation in the past five years, so how many years of credit information will the provident fund loan be checked? What exactly do you want to see? Let's take a look at it.

1. how many years has the provident fund loan been checked?

after the new version of credit information is launched, the repayment record and credit record of the lender will be kept for 5 years, and the credit information of provident fund loans will be checked for nearly 5 years.

However, the most important thing is the credit record in the past two years.

2. What should I look for in the credit investigation of provident fund loans?

it is mainly divided into three sections, namely, public information, loan information and inquiry records.

1) Public information:

See if the lender has any records of civil judgment, enforcement, administrative punishment and telecom arrears. Although most people don't have them, the bank will have a look.

2) Loan information:

It includes credit card information and loan information in one's name, so as to understand the lender's repayment willingness, evaluate the lender's debt situation and infer the lender's repayment ability.

For example, the lender has applied for credit cards from several banks, and the monthly credit line usage, used credit line and total credit line of each bank, whether it is overdue, etc. And what institutions the lender has made loans, loan repayment and so on.

3) Inquiry records:

Usually, only 24 months' inquiry information is displayed, and banks mainly look at the records of the past six months. If there are too many hard inquiry records such as loan approval, credit card approval and qualification guarantee, it will waste credit information and have an impact on the approval of provident fund loans.

How to inquire about provident fund loans

1. First, we open Baidu to search the official website of the online service hall of the local housing provident fund management center, and click the login button after entering the official website.

2. After clicking the login button, click the personal password to log in, and enter the ID number, password and verification code as required. If you haven't changed your password, the initial password defaults to the last four digits of the provident fund account number plus two zeros.

3. After entering the main page, you can perform common query functions, such as personal details information query, individual household query, repayment details query, etc. Just select the items you need to query.

4. If you want to use detailed query, you must select a specified date range. You can click the calendar icon next to the start date and end date to make a selection, which will facilitate the time you need to query.

5. If you only need to inquire about general information, such as the balance of provident fund, monthly deposit amount, unit deposit ratio, etc., then you only need to inquire in the individual household inquiry panel.

Borrowers who apply for loans too often or conduct loan operations too often will increase personal credit risk. You can check the personal credit risk index at Xiaoqixin. The higher the risk score, the easier it is for the application to be rejected.

Extended information:

How can I check the remaining mortgage for provident fund loans?

If you want to find out how much is left in a personal housing provident fund loan, you can take the following methods:

1. Telephone inquiry:

You can directly call the hotline of the entrusted bank and consult the bank customer service staff through the manual service channel. After verifying the identity information, the customer service staff will inform you of the inquiry result.

2. Online banking/mobile banking inquiry:

Log in to the online banking/mobile banking terminal, find your own provident fund loan on the personal account page, and check the bill to inquire.

3. Counter inquiry:

If there is a business outlet near where you work and live, you can directly bring your personal ID card, repayment bank card and other materials to the business outlet and ask the counter staff to apply for inquiry.

4. SMS inquiry:

Generally, banks will send SMS reminders several days before the repayment date, and the content of SMS usually includes the repayment amount, remaining loans and so on. Therefore, you can find out by rummaging through the short messages sent by the bank that you received in your mobile phone in the past.

should I check the credit information for five years or two years when buying a house with provident fund loans?

general provident fund loans will check the credit information in the past two years. After the new version of credit information is launched, the repayment records and credit records of lenders will be kept for five years, and the credit information of provident fund loans will be checked for nearly five years, but the credit records of the past two years are the most important. General bank's requirements for credit investigation: it cannot be overdue at present, twice within half a year, three times in a row within two years, and six times in total.

housing provident fund loan process

1. The borrower submits a loan application to the provident fund management center as required, and provides the information needed for the loan.

2. after accepting the borrower's application, the provident fund management center will review the borrower's qualification, loan amount, loan term, loan information and other information, and give opinions.

3. after the preliminary examination of the provident fund management center, the undertaking bank of the provident fund loan will conduct a pre-loan credit investigation on the borrower. After the investigation is completed, the loan bank will put forward opinions, and fill in the "Investigation and Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans" and send it to the relevant personnel for approval.

4. If the borrower passes the examination, he will receive a notice from the loan undertaking bank. At this time, the borrower only needs to carry the ID card, account book, bank account number and other materials in accordance with the specified time to go to the undertaking bank to handle the loan contract signing procedures.

5. After signing the loan contract, the borrower needs to go through the insurance and mortgage registration procedures as required, and the expenses arising therefrom will be borne by the borrower himself.

6. after confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the seller on the date agreed in the contract, and send the loan receipt to the borrower.

Precautions for repayment of provident fund

1. Choose a suitable repayment method

Choosing a suitable loan method can help borrowers save a lot of interest, so be sure to pay attention. The monthly repayment method does not have too much repayment pressure, but during the whole repayment period, the interest to be repaid by the borrower has not decreased, so it is more suitable for those who want to reduce the monthly repayment pressure. Repaying the loan year by year can not reduce the borrower's monthly repayment pressure, but it can reduce the expenditure of loan interest and speed up the repayment.

2. Change the repayment method of provident fund

If the borrower feels that the current repayment method is not suitable for him, then don't be forced. The borrower can apply to the loan bank for changing the repayment method. The borrower needs to submit an application and fill in the Letter of Entrustment to Withdraw Housing Provident Fund and Return Housing Loan. However, it should be noted that the change of repayment method can only be handled after the original entrustment or the change of entrustment is over one year.

3. Don't prepay within the first year of loan

According to the relevant provisions of provident fund loan, if the borrower wants to prepay the loan, the premise must be that the loan time has been over one year and the prepayment amount should be more than six months. Therefore, if the borrower's loan time is less than one year, or the funds on hand are not enough, then don't handle the prepayment business within one year.

How to inquire about the personal provident fund loan amount

How to inquire about the provident fund loan amount

Release date: 22-11-1323:4:2

Author: xuling

Source: Real Estate Network

33,899 views

Abstract: When applying for housing provident fund loans, buyers may all.

you can inquire through the official website of the local housing provident fund, or you can bring your own identification materials to the counter of the service hall of the local housing provident fund management center or the touch screen inquiry machine. Or you can go to the handling branch of the bank with the joint card of the provident fund, and you can inquire through the voice telephone provided by the provident fund management center.

materials required for provident fund loans:

1. municipal provident fund loans: lender's ID card, household registration book, house purchase contract, diploma or title certificate, marriage certificate (marriage certificate is required for married people, marriage certificate or divorce agreement for divorced people, death certificate for widowed people), and down payment invoice.

2. State-managed provident fund loan: Lender's ID card, household registration book, house purchase contract, borrower's application, down payment invoice, and Online Filing Form if it is an auction house.

Precautions for buying a house with provident fund loans

1. Bad bank credit

If your credit information is overdue, it will be considered that your credit is questionable, and the provident fund loan management center will not easily lend to such people.

2. Stop paying the provident fund

In many places, it is stipulated that buying a house with a provident fund loan must be paid continuously for more than 6 months before the loan can be made. Therefore, even if you plan to change jobs, you must continue to pay the provident fund, even if you get a loan. Otherwise, according to the relevant regulations, the housing provident fund management center will order you to pay back the outstanding housing provident fund, and pay it in full every month during the loan period.

3. The applicant's responsibility rate is too high

If the lender's responsibility rate exceeds 5% of the total income of an individual or family, the provident fund loan center will think that the applicant has no repayment ability and will not approve the issuance of provident fund loans.

4. The applicant has too many credit cards

Credit cards are over-prepaid consumption. If the applicant has too many credit cards and each consumption is not settled, it will also affect the provident fund loan.

5, the number of provident fund loans

In fact, the average family can only use provident fund loans twice. If they have used provident fund loans twice, they will no longer get provident fund loans.

can provident fund loans be found in the personal credit information system?

provident fund loans, like commercial loans, can be found in personal credit information. Personal credit information is recorded in the personal credit report, which mainly includes personal basic information, credit information (whether there are bank loans, overdue credit card overdraft records, etc.) and non-bank information (payment information of utilities such as water, electricity and gas, tax arrears, civil judgments, etc.).

how long will you check the credit history when you apply for a housing provident fund loan?

You will check the credit history within two years. If the maximum overdue period of personal loans in the personal credit report is no more than 3 (inclusive) and the cumulative overdue times are no more than 6 times within the first two years when applying for loans, the loans within this credit range will have no impact on the loans.

provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the state regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

1. loan conditions

1. only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, while employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions in order to apply for housing provident fund personal housing loan: that is, the housing provident fund has been continuously paid for at least six months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.

3. One spouse has applied for a housing provident fund loan, and neither spouse can get another housing provident fund loan before paying off the principal and interest of the loan. Because, the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

5. The maximum term of provident fund loan shall not exceed 3 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.

Second, the loan amount

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 6, yuan; The maximum amount of housing provident fund loans in Guangzhou is 5, yuan for individuals and 8, yuan for two or more applicants.

Secondly, the maximum loan amount of housing provident fund shall not exceed 7% of the total house payment; To apply for provident fund loans, the monthly repayment/monthly income should be no more than 5% (in which: monthly repayment includes the sum of monthly repayment of existing liabilities and current liabilities).

the loan period of housing provident fund is 1-3 years, and it shall not be longer than the time when the borrower is away from the statutory retirement age; Employees approaching retirement age may appropriately relax the loan period for 1-3 years on the basis of considering their loan repayment ability.

Baidu Encyclopedia-Provident Fund Loans

This concludes the introduction of credit inquiry of provident fund loans and credit inquiry of housing provident fund loans. I wonder if you have found the information you need?