Different regions have different requirements for personal provident fund loans. Nowadays, many people use personal provident fund loans to buy houses, which is limited by geography. For example, some cities cannot use personal provident fund loans to buy houses in different places.

2. Poor personal credit information

When banks make provident fund loans, they will review the personal credit information of buyers. Buyers with poor personal credit information cannot use personal provident fund loans to buy houses.

3. Developer restrictions

Developers have not filed provident fund loans or restricted the use of provident fund. Because the use of provident fund loans requires not only bank audit, but also the audit of local provident fund management centers, it takes longer to apply for provident fund loans to buy a house than commercial loans, and some developers will also restrict buyers from using personal provident fund loans.

4. Buy non-residential houses

The property right nature of the house is also an important factor affecting the use of personal provident fund loans. Personal provident fund loans can only be used when buying a house. Those who purchase non-housing cannot apply for personal provident fund loans.