The commercial housing mortgage bank of the developer has not yet issued mortgage loans. What should I do if my personal application for provident fund loan is postponed?

No, the developer's loan has little to do with the personal handling of the loan. If it is not decompressed, the borrower cannot apply for a provident fund loan. Whether the loan can be granted depends on whether the borrower meets the requirements of the bank and the approval of the bank.

Provident fund loans need to meet:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related certification materials;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8. Deposit conditions: continuous payment 1 year;

9. Original and photocopy of the borrower's ID card;

10, original and photocopy of spouse's ID card;

1 1. A copy of the original account of the borrower;