What about hengfeng bank Provident Fund in loans overdue?

Generally speaking, the five major state-owned banks' principle of screening credit information is "three times in a row, six times in a row", that is, three times in a row or six times in a five-year period are regarded as refusing customers access. Local banks, such as city commercial banks or rural credit cooperatives, should be appropriately relaxed according to your projects and actual repayment ability. If you enter the credit blacklist, you can't get a loan. Of course, as long as you don't enter the blacklist and don't appear overdue within five years, your bad credit will only be used as a reference condition in the future.

When the provident fund is repaid in loans overdue, you should go to the counter and pay back the overdue money on time, otherwise your credit history will be affected. ?

1. When the borrower repays the overdue personal loan on the repayment date agreed in the contract, he can first inquire the loan amount that should be repaid at least on the next repayment date through the call center telephone entrustment system (this amount should be the sum of the overdue loan principal and interest, default interest and minimum repayment amount), that is, the borrower repays the loan according to this amount on the next repayment date, so the loan is not overdue. The borrower will adjust the repayment amount through the call center telephone entrustment system or sign the Notice of Borrower's Adjustment of Monthly Repayment Amount to determine the repayment amount on the next repayment date.

2. When the borrower repays the overdue personal loan on the non-contractual repayment date, he must go through the relevant formalities at the counter of the loan business department with the original ID card. The borrower first applies to the loan business department and agrees on the repayment date. The agreed repayment date is three days (exclusive) after the borrower goes through the repayment formalities in the management department to the next agreed repayment date (exclusive). However, the borrower can only go to the counter to handle the overdue personal loan repayment formalities once every period on the repayment date not agreed in the contract. The borrower shall fill in the Letter of Commitment on Repayment Entrusted by loans overdue for Personal Housing Guarantee (in duplicate, one for the individual and one for the loan business department).

3. Penalty amount = overdue principal and interest × penalty interest rate (annual loan interest rate ÷360 days × 150%)× overdue days.