In fact, there is no specific figure on the probability of rejection of provident fund loans. Every year, the amount of funds invested by relevant departments in this market is still very large. Although it was rejected, it can be successfully done as long as it meets the requirements of lending. If you want to apply for a provident fund loan, you need to pay the provident fund continuously for more than half a year, and it is currently in a normal payment state. Secondly, everyone's credit information is good, and there can be no non-performing loan records such as overdue stains. At the same time, it also needs a stable source of income and the economic ability to repay on time. Basically, these are the key points of bank audit, and they are also the main reasons why everyone's loans are rejected. There is no problem, and the pass rate of provident fund loans is very high.
However, if the application for a loan is really rejected because of the qualification problem, you can reapply, but you must optimize the qualification, otherwise the previous problem will still exist and the reapplication will also be rejected. In terms of credit reporting, as long as there is no current stain, other problems can be easily solved. You can cancel unused loan accounts and settle all small loans, which can optimize your qualifications. At the same time, the debt ratio should be controlled below 50% so as not to affect the repayment ability. If the loan cannot be settled, other financial certificates can be submitted, which can also solve the problem of high debt ratio. However, it should be noted that, generally speaking, the loan contract we signed has requirements on the loan time, so you must ensure that you can reapply within this period to avoid unnecessary trouble for yourself.