Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations for on-the-job employees. Under normal circumstances, as long as you buy a house and meet the conditions for housing provident fund loans, you can apply for housing provident fund loans. But in fact, when you go to buy a house, there are still some properties that tell buyers that they cannot apply for housing provident fund loans. Why?

Under normal circumstances, as long as you buy a house and meet the conditions for housing provident fund loans, you can apply for housing provident fund loans. But in fact, when you go to buy a house, there are still some properties that tell buyers that they can't apply for housing provident fund loans, which will suddenly make you feel puzzled. What is the reason?

In fact, the main reason is that the developer's project has not been put on record for housing provident fund loans, for the following reasons:

Reason 1. The development company is short of funds.

Compared with commercial loans, provident fund loans take a long time and the company can't afford it.

Reason 2: Development projects are more popular.

You can't buy it if you don't buy it. Everyone else is waiting for it. The main reason is that developers think that housing provident fund loan procedures are troublesome and are unwilling to handle them for the owners.

Reason 3: The development company itself is not standardized, and it cannot meet the requirements of the project filing of the provident fund center, or the filing application is rejected.

(The above answers were published on 20 15-03- 13. Please refer to the actual situation for the current purchase policy. )

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