It may be that the running water you provide is not enough, and the debt increases after the commercial loan comes down, which leads to the refusal of the provident fund to lend money, or it may take three to four months for the provident fund loan bank to lend money, and it needs to wait slowly.

: What are the reasons for the rejection of provident fund loans?

If you or your wife have the following questions, then they will be rejected.

1. Is there any provident fund loan or commercial loan outstanding? There is no doubt about it. The primary demand for provident fund loans is to ensure that they are just needed. For users who have not paid off their mortgage and still buy a second home, they generally disagree with provident fund loans. Some areas only review provident fund loans, but big cities will basically review provident fund loans and commercial loans at the same time. If any loan is not paid off, you will not be able to apply for provident fund loans;

There is something wrong with your personal credit. For users who have already bought a house, this is basically a check before buying a house. However, for many first-time buyers, they may often forget to check their credit information before signing the contract and paying the deposit. If this situation leads to breach of contract, the responsibility lies with you, and the deposit may not be recovered;

3, housing provident fund payment, for big cities, provident fund payment is also very serious, some cities for five consecutive years, some for two or three consecutive years, if you plan to quit. The social security provident fund in the middle must be well connected, otherwise it will affect your subsequent provident fund loan problem;

4. Repayment exceeds the specified time. Although the cost of provident fund loans is relatively low, the problem of timely repayment is urgent. For those who can't repay on time, they can apply for provident fund loans normally after eliminating the impact;

5. There has been illegal withdrawal of provident fund, and it is punishable to falsify information to withdraw provident fund. If violations are found, a fine of 10%-50% will be imposed. This kind of violation will also be recorded in the credit file. It will take several years to eliminate the influence. Some areas may not be so strict, but forged materials or reasons are not allowed to withdraw the provident fund.