Now many people have to rely on loans to buy a house. Compared with commercial loans, provident fund loans will be more popular. After all, the interest on provident fund loans is much lower. When the provident fund loan is approved, it will also check the credit information. Many people will ask 202 1 provident fund for five-year credit reporting. Do provident fund loans have high requirements for credit reporting? Let's briefly introduce it today.
202 1 provident fund, do you see five-year credit reporting?
After the revision of the new credit report, you should know that the credit report will show the credit records of the past five years, but the provident fund loans will not look at the credit information of the past five years in detail, and the focus will be on the credit situation of the past two years.
Therefore, if the bad credit record two years ago has little impact on the provident fund loan, what happened in two years should be analyzed in combination with the specific situation. General provident fund loan approval focuses on these sectors, such as personal basic public information, credit balance and usage, inquiry records, etc.
Do provident fund loans have high requirements for credit reporting?
Provident fund loans have no high or low credit rating, only whether they can pass the customs. For example, the lender is currently overdue, or the number of overdue times has reached three times in two years, or there are special transaction records such as bad debts and compensation. Such credit information will definitely not pass, even if the economic strength is strong, it will be directly rejected.
In addition, provident fund loans will strictly verify loan records and credit card records. For example, if a small loan is added six months before the loan, or the credit card is overdrawn, the loan will be repaid, otherwise it will be rejected. There are also many inquiry records of loan and credit card approval, which may not pass.
In short, the focus of 202 1 provident fund loan is to look at the credit records in the past two years, especially the records in the first six months of the loan. Lenders are advised to maintain good credit and not to handle any credit investigation business for six months before the loan, so as not to affect credit.
Look at the credit history of provident fund loans for several years
General provident fund loans will check the credit information in the past two years.
General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
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 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.
Should provident fund loans be checked for five or two years?
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 inquired for nearly five years, but the credit records of the last two years are the most important. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.
Housing provident fund housing loan process
1. The borrower submits the loan application to the provident fund management center as required, and provides the information required for the loan.
2 provident fund management center after accepting the borrower's application, review the borrower's qualification, loan amount, loan term, loan information and other information, and put forward 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 lending bank puts forward opinions, and fills in the "Examination and Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans" and sends it to relevant personnel for approval.
If the borrower passes the examination, he will receive the notice from the loan undertaking bank. At this time, the borrower only needs to bring his ID card, household registration book, bank account number and other materials to the undertaking bank for signing the loan contract according to the specified time.
5. After signing the loan contract, the borrower shall go through the insurance and mortgage registration formalities according to the regulations, and the expenses arising therefrom shall be borne by the borrower.
6. After confirming that the mortgage registration has been completed and the loan contract comes 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.
Matters needing attention in repayment of provident fund
1. Choose the appropriate repayment method.
Choosing the right loan method can help borrowers save a lot of interest, so we must pay attention to it. The monthly repayment method does not have much repayment pressure, but during the whole repayment period, the interest paid by the borrower has not decreased, so it is more suitable for people who want to reduce the monthly repayment pressure. Repaying the loan year by year can not reduce the monthly repayment pressure of the borrower, 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 force it. The borrower may apply to the loan bank to change the repayment method. The borrower needs to submit an application and fill in the power of attorney to withdraw the housing provident fund and return the housing loan. However, it should be noted that the change of repayment method can only be handled one year after the original entrustment or the change of entrustment.
3. Don't prepay the loan in the first year.
According to the relevant provisions of provident fund loans, the borrower must apply for early repayment, provided that the loan time has reached one year and the amount of early repayment must 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 do not handle the prepayment business within one year.
How many years' credit information for housing with provident fund loans?
Provident fund loans to buy a house to see credit within 2 years.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
Regional credit information is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of the credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears. Domestic credit investigation is one of the most institutionalized forms in the world.
Enterprise credit information is divided into six categories: government supervision information, bank credit information, industry evaluation information, media evaluation information, enterprise management information and market feedback information. Among them, government supervision information includes enterprise basic qualification, quality inspection information, administrative license/recognition, administrative reward and punishment information, trademark/patent/copyright information and people's judgment; Bank credit information includes China People's Bank credit evaluation information, commercial bank credit evaluation information, enterprise and private lending evaluation information; Industry evaluation information includes industry association (community organization) evaluation information, water, electricity, gas, communications and other public institutions evaluation information; Enterprise operation information includes enterprise financial information and enterprise management system evaluation information; Market feedback information.
Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
How many years has the provident fund loan been credited?
General banks will focus on the credit status in the past two years and make a comprehensive score with reference to the reports in the past five years.
Credit reports are only kept for 5 years. Generally speaking, there is no serious overdue phenomenon within five years. For example, domestic banks will refuse loans even if they are tired after three days.
Personal credit investigation is a personal credit report and an objective record of personal credit history. It records personal debt repayment, contract performance, law-abiding and other information, including bad information that you don't repay according to the contract, and positive information that you repay on time.
At present, personal credit records are mainly recorded in the credit information system of the People's Bank of China, and provided to me in the form of credit reports. Records about your past credit behavior will be reflected in this "credit report".
If you buy a house with a mortgage loan, the bank will make a personal credit check before lending. If you find that your personal credit is tainted, such as overdue or malicious default, the bank will refuse to handle the mortgage business for you.
How many years do you check the credit information of provident fund loans? These aspects are the most important.
When handling bank loans, you need to check the personal credit information of the lender, and provident fund loans are no exception. After receiving the loan application from the lender, the bank will often check the lender's credit 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 will the provident fund loan check the credit report? What exactly do you want to see? Let's have a look.
1. How many years have you checked the provident fund loan?
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 the provident fund loan will also be inquired for nearly 5 years.
However, the most important thing is the credit record in the past two years.
2. What are the aspects of inquiring about the credit information of provident fund loans?
It is mainly divided into three sections: 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 won't, banks will take a look.
2) Loan information:
Including credit card information and loan information, in order to understand the lender's repayment will, evaluate the lender's debt situation and infer the lender's repayment ability.
For example, the lender has applied for several banks' credit cards, the monthly quota usage, the used quota, and whether the total credit line of each bank is overdue; And in which institutions the lender made loans, loan repayment and so on.
3) Query 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.