Withdrawal of provident fund has nothing to do with commercial loans. After the provident fund is withdrawn, commercial loans will still be approved as usual. Don't worry about the problem that commercial loans can't get through after withdrawing the provident fund. If it fails, it must be something else. In addition, there is plenty of time to buy a house and withdraw the provident fund, so you can wait until the loan is completed.

What materials do you need to buy a house with a loan?

1. Identity cards (or other valid documents, such as military officer's card, etc.) of the main lender and spouse (if any) who purchase the house by loan;

2. Household register of the main lender and spouse (if any) of the loan house;

3. Income certificate of the main lender and spouse (if any) who borrowed to buy a house (the total income certificate must exceed twice the monthly payment and the income flow (if necessary);

4. Marriage certificate of the main lender who borrows money to buy a house (single certificate or marriage certificate, some bank single certificates do not need to be issued by the Civil Affairs Bureau, just fill in the single statement and sign it according to the prescribed format);

5. Asset certificates of the main lender and spouse who borrowed money to buy a house (if necessary);

6. Proof of down payment;

7. The house sales contract signed by the buyer and the seller.

Why is the house purchase loan rejected?

1. When applying for a loan, the bank will ask for proof of income and running bill. Usually there is a certain proportion between income and monthly payment. If the income of the purchaser does not meet the requirements of the bank ratio, it will be rejected by the bank. In addition, the common cases of bad credit are: loans overdue, guarantee for others, and loans overdue's failure to pay back. All these will form a credit stain on the applicant, even if you change banks, there is no way.

2. The age of second-hand houses is also the reason. The minimum age required by banks for second-hand houses is 15 years and the longest is 30 years. The general requirement is 20 years, while other banks require 25 years or there is no clear requirement. However, if a house is bought with a loan, the bank will refuse to grant the loan on the grounds that the house is too old. So when buying a house, be sure to ask about the age of the building. For a high-rise building, be sure to ask if you can get a loan and sign a purchase contract.

3. If the loan information provided by the borrower is incomplete, it will also be refused by the bank. In this case, the borrower can fabricate loan information and re-apply for a loan from the bank. Some people, for some reason, try to muddle through with fake materials. Once this situation is discovered by the bank, the road to loan will be completely destroyed.

4. Because the loan conditions and requirements of different banks are different, the borrower should know the relevant policies and requirements of the loan bank before applying for a loan, and judge whether he meets the loan application standards of the loan bank.