1, does not have permanent residence or other valid residence status in this city, and does not have full capacity for civil conduct;

2. A legal and effective house purchase contract or agreement has not been signed, or the down payment has not been paid;

3, no stable occupation and income, no ability to repay the loan principal and interest on time;

4. Failing to pay the housing provident fund in full monthly in the first 6 months when applying for a loan;

5. Personal credit is not good.

6. There are other debts with a large amount that affect the repayment ability of loans;

7. The monthly expenditure of various housing loans, including housing provident fund loans, is higher than 50% of the family's monthly income, and the family's monthly income is lower than the local minimum living standard after deducting the monthly repayment expenditure.