1. The account balance is insufficient. Provident fund loans are deducted every month. Everyone will leave their bank card information when they apply for a loan. General provident fund deductions will be deducted from this bank card. If it is found that there is no deduction on the repayment date, you can check whether the balance is sufficient;

2. The unified deduction time hasn't arrived yet. The provident fund is deducted uniformly, and the repayment time is different in each region. In most areas, the date of deduction is Tuesday and Thursday of each week. Assuming that Ms. X's provident fund deduction date is 25th of each month, but 25th of each month is not Tuesday or Thursday, the deduction will be postponed to next Tuesday or Thursday;

The bank card has been frozen. Lenders can check whether their bank cards are frozen due to the expiration of their ID cards. If the bank card is frozen, you can only deposit money, but you can't withdraw money, and you can't deduct money from the provident fund.

Legal basis:

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when they purchase, build, decorate or overhaul their own houses.

The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.