Will applying for Baidu Youqianhua affect my provident fund loan?

Youqianhua, a subsidiary of Du Xiaoman Financial, is one of the three formal credit service brands of BAT. It strictly implements the reporting obligations in accordance with the credit reporting management regulations of the People's Bank of China. Therefore, borrowing from Youqianhua will be subject to credit reporting, and Youqianhua's borrowing and repayment records will be reflected in the credit reporting report of the People's Bank of China. Consumer loan products are connected to personal credit reports, which helps financial institutions assess users' personal credit status and only provide truthful feedback on your historical usage records. At the same time, if you do not repay the loan on time and without overdue payment, your good credit record of borrowing and repayment will become your "positive information", which will be beneficial to the accumulation of your personal credit level and the good credit proof for applying for other loans.

Will applying for Baidu Youqianhua affect my provident fund loan?

As long as the repayment is on time, it does not affect personal credit, and the debt ratio is not very high, it will not affect the personal housing provident fund loan. What conditions must be met? The main contents are as follows:
1. The borrower has full civil capacity;
2. Have a formal urban household registration or valid residence status in this city;
3. Have stable income, good credit, and the ability to repay the principal and interest of the loan;
4. Regularly pay housing provident fund before borrowing and pay for more than six months in a row;
5. Able to provide a valid contract or agreement for purchasing a self-occupied house;
6. The borrower and the buyer in the purchase contract must be the same, and the co-owner (except the spouse) who purchases the shared property must issue a written commitment to agree to the housing mortgage;
7. Have self-owned funds of no less than 30% of the value of the self-occupied housing (more than 40% for second-hand housing);
8. The borrower agrees to apply for housing mortgage and insurance;

9. For the purchase of commercial housing, the developer shall provide a phased guarantee and report relevant credit information;
10. The borrower agrees to open a personal account at the loan-handling bank and agrees that the loan-handling bank will directly transfer the loan principal and interest from the account every month.