1, incomplete information
To apply for provident fund loans, you need to provide a lot of information, which may lead to incomplete application information, incorrect information and incorrect personal information. The general bank will show that the preliminary examination is unqualified, and you need to go to the bank to check the relevant content.
2. Bad credit
Provident fund loans need to check the borrower's personal credit report, and it is a very detailed credit report. Generally, the adverse effects within five years may lead to the failure of the first instance. Especially in the past two years, if there are bad debts, overdue settlement, compensation, three consecutive tired six times, too many credit approvals, etc., it may lead to the failure of the first instance. I suggest that if you plan to apply for provident fund loans, you should not apply for new loans or credit cards for at least half a year, and you should not authorize other institutions to inquire about credit information, so as not to "spend money" on credit information.
3. The debt ratio is too high
Provident fund loans also need to check the monthly income and current liabilities of borrowers. If there is too much debt, it is recommended to deal with some before applying, after all, it will affect the monthly repayment ability.
4. The down payment ratio should not be too low.
Although the regulations in each region are different, it is recommended that the down payment ratio should not be less than 20%. Otherwise, the provident fund loan is easy to fail, so try again by increasing the down payment ratio.
To sum up, the preliminary examination of provident fund loans is still relatively important. If you don't pass, you can't participate in the subsequent review and face-to-face signing, and the time will drag on for a long time. It is recommended to consult professionals and optimize personal data before handling, and the success rate will be higher.