Because real estate developers and lending institutions negotiate, it is necessary for both lenders and developers to sign an agreement. You buy a property from a developer and then borrow money from a lender, which requires the developer to guarantee for you.

As for developers and lenders, if their contracts cannot be unified, developers may not apply for provident fund departments as lenders.

So for this problem, your lawsuit is invalid and there is no possibility of winning.

If you need to use provident fund loans, you can only go to a housing company that can handle provident fund to buy real estate.

However, for the current market, the main lending institutions have no funds to invest in the market, and the government has strictly controlled this. Maybe this property can't use the provident fund, or it may be because the provident fund has no quota. Like my real estate, customers who apply for provident fund need to wait until next year to lend money.

If the provident fund loan is rejected, it can be solved through the following channels:

According to the Regulations on Housing Provident Fund Management and other relevant laws and regulations, if the developer refuses to apply for provident fund loans, the municipal real estate department will order him to make rectification. If he refuses to make rectification, he will be deducted from the credit file and publicized.

If the property buyers refuse the loan, they can directly call the provident fund hotline 12329 to make a complaint, and the provident fund center will also jointly enforce the law with other competent departments.

: What conditions should individual housing provident fund loans meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

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

4 normal payment of housing provident fund before the loan, and continuous payment for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. The borrower and the purchaser must be consistent in the purchase contract, and the co-owner (except the spouse) who purchases the shared property house must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle house mortgage and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.