Refuse provident fund loans
1 item, not accepted by developers.
As we all know, the complicated approval process of provident fund loans leads to a long lending cycle, which is very unfavorable for developers to withdraw funds quickly. Although the state explicitly prohibits developers from refusing provident fund loans, many developers are still refusing provident fund loans to buy houses in disguise when the property market is hot. If you encounter the situation that developers don't accept provident fund loans to buy a house, then even if you pay enough housing provident fund, you can't use it!
Second, personal credit is not good.
Good personal credit information is the premise for buyers to get mortgages, and so is applying for provident fund loans! If your personal credit is not good, then you can't use the provident fund loan to buy a house. Therefore, everyone must pay attention to keeping personal credit information, such as returning credit cards one or two days in advance to avoid overdue records. In addition, some small things in life will also affect personal credit information, such as unpaid living expenses such as water, electricity and electricity, disorderly parking of bicycles, unreasonable refusal to pay property fees, and long-term arrears of mobile phones.
Third, I'm going to buy a third set.
As a welfare policy for employees, the housing accumulation fund was originally intended to meet the housing needs of people who just needed it. If you plan to buy a third suite with a provident fund loan, then you don't meet the criteria for using a provident fund loan. In this case, you naturally can't buy a house with a provident fund loan! Therefore, if you want to buy a third house, you'd better use a commercial loan!
Fourth, there have been loans.
Under the strict control of the property market, major cities are implementing the policy of restricting loans. Whether it is a commercial loan or a provident fund loan, as long as there is a loan record, you can no longer use the provident fund loan to buy a house. Therefore, when applying for provident fund loans to buy a house, we must pay attention to understanding the local loan policy first.
housing with limited property right
Fifth, the house has a special nature.
Property buyers need to know that not all houses can apply for provident fund loans. If the house you buy is special in nature, you can't buy a house with provident fund loans, such as small property houses, houses without real estate licenses, and affordable housing for less than five years. Therefore, we must pay attention to the nature of the house when we borrow money to buy a house.
House prices are getting higher every day, and the cost of buying a house is already high. If you can't buy a house with a provident fund loan, it is undoubtedly worse. Therefore, Bian Xiao reminded the majority of buyers that the housing provident fund has been paid enough, but the above five types of buyers can't buy a house with provident fund loans. I really hope without you!