1. The status of provident fund account is abnormal.

When applying for provident fund loans, the provident fund center will pay attention to the account situation, and the provident fund account cannot be in an abnormal state, otherwise the application for provident fund loans will not be passed.

If the deposit of provident fund is temporarily suspended due to resignation or other reasons, it will bring great trouble to apply for a loan, and it may not be possible to handle this business in a short time.

2. The duration of continuous payment is insufficient.

This requirement may be different in different regions, and some regions may require continuous payment of 12 months or more, subject to the notice of the local provident fund center.

If you can't apply for provident fund loans for this reason, you can let the provident fund continue to be deposited for a period of time before handling the business.

3. The account balance is insufficient.

When applying for provident fund loans, if you need to apply for a large amount, you need to have enough provident fund balance.

The loan amount of the provident fund is 10 to 20 times the balance of the provident fund account. If there is not much money in the provident fund account, too much loan application will also lead to the failure of loan application.

In this case, the provident fund can continue to be paid for a period of time, and then the loan business can be handled when the balance of the provident fund account is more.

4. There are outstanding provident fund loans.

The provident fund center will require that there cannot be multiple outstanding provident fund loans in its name. Therefore, if there are other outstanding provident fund loans before applying for provident fund loans, they will also be rejected by the provident fund center.

5. The loan amount exceeds the limit.

Under normal circumstances, the number of provident fund loans shall not exceed two. If this limit has been exceeded, you can no longer apply for provident fund loans, and the notice from the local provident fund center is required.

6. The income does not meet the requirements.

When applying for a loan, in order to ensure timely repayment in the future, the provident fund center will naturally review the income, and the monthly income is more than twice the monthly payment. If the requirements are not met, the loan application will also fail.

7. The credit report is tainted.

When applying for a provident fund loan, the provident fund center will conduct a detailed inspection of the qualifications and attach great importance to the credit report. If there is a record of overdue loans in the past, the provident fund center will have concerns and will refuse the loan application.

8. The debt ratio is too high.

Provident fund loans also have requirements for debt ratio. When applying for provident fund loans, if the debt ratio exceeds 50%, it shows that there is serious debt pressure. In this case, the provident fund center will not agree to the loan application in order to control the risk.

9. The housing area exceeds the standard.

When using the provident fund to buy a second suite, the provident fund center in some areas will limit the area of the purchased house. If the purchased house is too large, it is impossible to successfully apply for a provident fund loan. This is to be understood in advance.

10, the developer's qualification is incomplete.

If you want to apply for a provident fund loan, in addition to meeting the requirements, you also need the developer to have corresponding qualifications and obtain relevant certificates for the project, otherwise the loan application will be rejected by the provident fund center.

It can be seen that there are many reasons why provident fund loans cannot be successfully handled. You need to look at the problem according to your actual situation and solve it in time after you find it.

You can enter information in "Lan Bing Data" to learn about your personal credit status, including important data such as network black index score, blacklist, online loan application record, application platform type, whether it is overdue, overdue amount, estimated credit line of credit card and online loan, etc.

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Can a suite under my name be mortgaged by a bank?

If you have a suite in your name, you can apply for a bank mortgage loan, as long as the following conditions are met: 1. Only adults with full capacity for civil conduct are eligible for loan business.

2. If you have a valid local residence status and need to have a fixed residence in the local area, you can provide a household registration book or temporary residence permit for the local town.

3. Applicants with good personal credit cannot have bad credit records or serious negative information in their personal credit reports.

4. Being able to repay the loan on time requires a legal and stable source of economic income, and being able to provide the bank with sufficient information on economic income (such as bank cards and certificates of deposit). ).

5. The mortgaged property has a certain value space. Mortgaged houses are not included in the scope of local urban reconstruction and demolition planning, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading.

6. The ownership of the mortgaged property should be clear, and the real estate license and land certificate issued by the real estate department and the land management department should be available. It is best not to mortgage (some banks support secondary mortgage, please consult the bank customer service for details).

7. The room age meets the general requirements. The sum of the house age (calculated from the date of completion of the house) and the loan period shall not exceed 40 years.

8. It is best that some banks in local housing support mortgage loans for off-site properties, but generally there will be certain access conditions for off-site properties; Affected by the policy, some banks have stopped the mortgage business of off-site real estate for the sake of controlling risks.

9. Open a bank account. Open a personal settlement account at the loan handling bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account.

10. Other conditions stipulated by the bank. For example, if a loan has a guarantor, it must provide an effective right pledge guarantee recognized by the bank or a third-party guarantee with compensatory ability.

Those who meet the above conditions can apply for housing mortgage loan in the bank according to the following procedures: Step 1, apply with personal ID card, local household registration book or temporary residence permit, property right certificate of mortgaged property, proof of economic income, etc. , go to the selected bank outlets to apply for loans, get the application form at the counter, fill it out, and then submit the completed form and materials to the staff.

Step 2: The loan review bank will review the submitted materials, check the applicant's credit status at the same time, and arrange an evaluation agency to evaluate the specific value of the mortgaged property, and then calculate the loan amount and determine the loan term accordingly.

Step 3: Sign the contract and handle the mortgage. After receiving the news of approval, sign a loan contract at the bank outlet within the agreed time and go through the mortgage registration formalities at the local housing management department.

Step 4: Generally, the bank that issues the loan funds will issue the loan funds to the bank card designated by the applicant within one month (if the bank business is busy and the amount is tight, the loan may be delayed, so it is recommended to wait patiently).