If the provident fund loan is delayed, part of the reason may be that there is a problem with the approval process. At this time, buyers should not be too anxious to see where the problem lies, then solve the problem and wait patiently.

2. The fund management center is short of funds.

If the funds of the provident fund management center are in short supply, generally at this time, the provident fund management center will start the provident fund discount loan. If the purchaser meets the requirements, he can also apply for a discount loan from the provident fund, and give a discount according to the discount amount applied by the purchaser.

The biggest advantage of discount loan is that it is faster to lend money, but it also has certain risks. Some places require that the provident fund cannot be paid off. If it is paid off, the provident fund center will stop paying interest and the mortgage will be automatically converted into a commercial loan. Also, see if the purchased property agrees to apply for a provident fund discount loan to buy a house.