The provident fund loan was rejected. You can try the following methods.
Second, the specific analysis
1. Check the loan information again. When applying for provident fund loans, you need to prepare relevant loan materials as required. If there is something wrong with the loan information, it will be rejected by the provident fund center. In this case, you can rearrange the loan information to ensure that there are no omissions or errors, and then submit the loan application, which may pass the examination.
2. Change the main lender When both husband and wife apply for a loan at the same time, if the loan application fails because of one party's poor qualification, in this case, we can try to change the main lender and let the party with better qualification serve as the main lender before applying for the provident fund loan, which can minimize the concerns of the provident fund center and improve the loan success rate.
3. Reduce the debt ratio When applying for a provident fund loan, you need to control your debt ratio, for example, control the debt ratio below 50%, so that the provident fund center will not be too worried about the repayment pressure, which is helpful for the approval of the provident fund.
If there are more outstanding foreign debts, you need more income to match them, otherwise the provident fund loan will fail.
4. Wait a while before going to the loan provident fund center. There are requirements for the payment time of provident fund. For example, if you apply for a provident fund loan, you need to pay the provident fund 12 months or more. If you are refused a loan for this reason, you can pay the provident fund for a period of time before applying for a loan.
5. Replace the products of other developers. Sometimes it is not necessarily the reason why provident fund loans are rejected. It may also be the reason why the developer's qualification certificate is incomplete and the relevant projects have not obtained the certificate. In this case, you can find a house launched by a developer with complete qualification certificates, which can not only improve the loan pass rate, but also prevent the risk of handing over the house.
6. When buying a house with a smaller area and buying a second suite with a provident fund loan, the provident fund center will have requirements for the area of the house purchased. If the purchased house area exceeds the limit, the application for provident fund loan will fail. In this case, it is necessary to buy a house with a smaller area.
7. The Provident Fund Center stipulates that two provident fund loans cannot be accepted at the same time. If there are other provident fund loans outstanding in your name, you can settle this provident fund loan in advance before applying for the provident fund loan.
8. If the provident fund account is unsealed because the provident fund account is blocked, it is impossible to apply for a provident fund loan. In this case, you can contact the local provident fund center to unblock the account and then apply for a provident fund loan.
9. Compared with commercial loans, the review of provident fund loans is more stringent. If you can't successfully apply for provident fund loans, you can try to give up provident fund loans and apply for commercial loans.
However, although the review of commercial loans is not as strict as provident fund loans, the loan interest rate and down payment ratio are higher.
It can be seen that after our provident fund loan is rejected, we can try these solutions and make reasonable choices according to our actual situation.
You can get the online loan big data report from the platform of "Beijian Quick Check", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.
3. Will the provident fund be reported at the meeting if it is overdue for one day?
If the provident fund is overdue for one day, if the mortgage has a loan grace period, and the grace period is greater than or equal to one day, one day overdue is also within the grace period. At this time, there will be no overdue records to upload credit information.
However, there is no grace period to repay the mortgage. If it is overdue for one day, it will generate overdue records and overdue interest. After it is overdue, it will upload the overdue records to the personal credit report.
In order to avoid the negative impact of provident fund on loans overdue, please try to pay off overdue debts within the grace period, and provident fund loans have no grace period. Please pay off overdue debts as soon as possible after the deadline.
Overdue provident fund will not only affect personal credit information, but also affect users' subsequent handling of other credit businesses and paying off overdue debts. It takes a long time for personal credit information to be restored.
Users will deposit the repayment funds into the repayment bank card before the repayment date, so that the failure of automatic deduction will not lead to the accumulation fund loans overdue on the repayment date.
If the automatic deduction fails, the user can choose to repay manually, and the successful manual repayment will also be regarded as the timely repayment of the user.