As we all know, the use of provident fund loans when buying a house will be relatively favorable, but similarly, the disadvantages of provident fund loans are also obvious, not only the procedures are troublesome, but also the examination is strict. With user consultation, is the preliminary examination or review of provident fund loans strict? Let me tell you briefly.

1. Is the preliminary examination or review of provident fund loans strict?

Generally speaking, the first trial of provident fund loans will be relatively strict.

This part is mainly to check the applicant's credit status and evaluate the value of the purchased house, and only need to confirm the documents and materials during the audit, such as whether the guarantee procedures are correct and whether the contract signing is standardized.

Second, what are the reasons for the failure of the first trial of provident fund loans?

1. Bad credit status: As mentioned above, the applicant's credit will be checked in the first instance. This part is very strict and requires a detailed credit report. If there is compensation on it, the overdue times are too many and it is likely to be rejected. Users with poor credit information are advised to keep it for about half a year and try again.

2. The down payment ratio is too low: when evaluating the value of real estate, banks will consider many factors such as the down payment ratio, the rise and fall of house prices, repayment ability, etc. The down payment is the most direct embodiment of the value. If the down payment is too low, the bank will think that you are short of money or too risky to refuse.

The above is about "is the preliminary examination of provident fund loans strict or the review strict?" The answer, I hope to help everyone. Generally speaking, as long as the applicant's credit status is good, his income is stable, and the down payment ratio is above 30%, it is very easy to pass, so don't worry too much.