Under normal circumstances, as long as you buy a house and meet the conditions for housing provident fund loans, you can apply for housing provident fund loans. But in fact, when buying a house, there are still some properties that tell buyers that they cannot apply for housing provident fund loans. In fact, it is mainly because the developer's project has not been put on record for housing provident fund loans, mainly for the following reasons:

1. The development company is short of funds, and the provident fund loan takes longer than the commercial loan, so the company cannot afford it.

2, the development company itself is not standardized, can not meet the requirements of the provident fund center project filing, or the filing application is rejected.

3. The development projects are relatively strong, and it is too troublesome to handle the loan procedures for idle housing provident fund.

4. The development company is newly established, and has never developed commercial housing projects or only developed small projects before. The company itself is unaware of the housing provident fund loan.

In addition, the provident fund loan can not be loaned until the house is capped. The provident fund must be a joint venture, for fear of some unfinished business, so it is required to cap it before lending, and no commercial loan is needed. As long as you lay a good foundation, you can borrow several floors above the ground, so some developers who want to withdraw funds quickly are reluctant.