1. Provident fund account has not been opened: employees or employers have not opened a provident fund account, or have not paid the provident fund according to regulations, which makes it impossible to find relevant information;

2. Error in filling in employee or employer information: information such as employee or employer's name, ID number and provident fund account number is required to query provident fund information. If this information is incorrectly filled in or inconsistent with the provident fund account, you will not be able to find relevant information;

3. The provident fund deposit history is too short: if the employee or employer's provident fund deposit history is too short, it may be impossible to find relevant information. Under normal circumstances, it is necessary to deposit the provident fund for 3 months or more before the relevant records can be obtained;

4. System maintenance or failure: The system maintenance or failure of the housing provident fund management center will also make it impossible to query the provident fund information.

Conditions for individuals to apply for housing provident fund:

1, personal deposits are mainly applicable to some freelancers and self-employed;

2. It is necessary to continuously pay the housing provident fund for more than one year, and the provident fund has not been withdrawn within the prescribed time limit before the loan application;

3. The local house has been purchased and there is a legal and effective purchase contract;

4. If you are an on-the-job employee of the company, you must pay the house advance payment before applying for the provident fund loan;

5. The borrower has stable economic income and repayment ability;

6. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment;

7. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan;

8. Other conditions stipulated by the local management center.

To sum up, repayment of provident fund loans is a way for employees to freely choose equal principal and interest or average capital. When handling the provident fund loan, the borrower signs the entrusted withdrawal agreement, and when the account balance is sufficient, the monthly repayment can be automatically offset by the balance of the provident fund account.

Legal basis:

Article 38 of the Regulations on the Management of Housing Provident Fund

In violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not paid within the time limit, it may apply to the people's court for compulsory execution.