1. The number of loans exceeds the limit. Provident fund loans cannot be applied indefinitely. Under normal circumstances, users can only apply for provident fund loans twice. If the number of applications for provident fund loans has reached the standard, the application for provident fund loans will be directly rejected at this time, because the audit of the provident fund center is more strict.
2. There are outstanding provident fund loans. According to the requirements for provident fund loans, only one outstanding provident fund loan can exist under the same user name. If the provident fund loan previously applied by the user has not been settled, the application for provident fund loan cannot be submitted again at this time.
3. The provident fund account is blocked. If users want to successfully apply for provident fund loans, the provident fund account must be in a normal payment state. Provident fund centers in some areas also require users to continuously deposit 12 months in their provident fund accounts before they can apply for provident fund loans. Therefore, if the user's provident fund account is blocked because of unemployment or resignation, it is impossible to apply for a provident fund loan smoothly.
4. The credit report is tainted. When applying for provident fund loans, users are also required to have good credit qualification and cannot reflect the record of non-performing loans. If the credit information is tainted, as long as it is discovered by the system, it will directly lead to the failure of the loan application. The audit of provident fund centers in some areas is relatively strict, and if there are many loan records on users' credit information, it will also affect the loan results.
5. There is something wrong with buying a house. Applying for provident fund loans can only be used to purchase commercial housing and price-limited commercial housing. And loans can't be used to buy small property houses. In addition, if the user buys a second-hand house, the provident fund center also has requirements for the housing conditions, requiring that the housing construction time is not long, otherwise the provident fund loan application will not be successful.
Obviously, there are many reasons why you can't apply for provident fund loans. Users need to find out the problems according to their actual situation and take corresponding measures to solve them.