The provident fund policy is becoming more and more close to the people, the procedures are getting simpler and simpler, and the amount is also increasing. Generally speaking, it is getting more and more favorable, which is the biggest surprise for previous buyers. However, what happens when some people can't get provident fund loans? Have you failed to meet the loan conditions of the provident fund? What are the requirements for provident fund loans?

1. Under normal circumstances, only those who have participated in the housing provident fund system can enjoy the provident fund loan policy, and vice versa;

2. In addition, you must pay the provident fund continuously for at least six months before you can apply for a provident fund loan. If there is an intermittent situation in the process of paying the provident fund, it means that your repayment ability needs to be questioned and the bank that issues the loan needs to bear great risks;

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a provident fund loan, the lender must have a stable source of income and the ability to repay the loan, and there are no other outstanding debts that may affect the ability to repay the housing provident fund loan. When employees have other debts, it is very dangerous to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

What can't provident fund loans? Six situations that do not meet the conditions of provident fund loans

The six situations that do not meet the conditions of provident fund loans mainly include the following:

1. The applicant has not paid the housing provident fund locally, and the housing provident fund management center in the place where the provident fund is paid and the place where the house is purchased temporarily does not support the loan of housing provident fund in other places.

2. In the local area, the housing accumulation fund has not been paid in full and on time for six months.

3. At the time of application, the housing provident fund account is in a sealed state (the account can only be applied if it is in a normal deposit state).

4. There is a provident fund loan in the name, which has not been paid off (you can apply for a new provident fund loan only after the loan is paid off).

I have applied for provident fund loans twice (in this case, I can't apply for provident fund loans regardless of whether the loans are settled or not).

6. The balance of the provident fund account is zero. You should know that the balance of the provident fund account largely determines the amount of provident fund loans. If the account balance is very low or even zero, it is likely that the approval of provident fund loans will not pass. It should be noted that if the customer's personal credit is not up to standard, such as poor credit or insufficient repayment ability, it may also lead to loan failure.

Is it still useful if the provident fund can't be loaned? What is the use of the balance of provident fund?

Provident funds cannot be loaned. Users can withdraw the provident fund as long as they meet the withdrawal conditions. After the funds arrive, the money can basically be used freely. Therefore, the balance of the provident fund cannot be loaned, which is very useful. Moreover, users can't apply for provident fund loans or withdraw provident fund, so the provident fund can't be used.

In addition, provident fund loans can only be used to buy a house, and loan funds cannot be used for other purposes. If users want to use loans for consumption, they need to apply for corresponding consumer loans.

Why can't I apply for provident fund loans? There are several reasons!

With the continuous improvement of social economy, many people have accumulated money and intend to buy a house of their own. Provident fund loan is a good choice. But now provident fund loans are not so easy to handle, and many people have been rejected for various reasons. Then why can't I apply? These are the main reasons.

1, the provident fund period is not enough.

People who have just worked for 1 year and those who have worked for1year have different years to pay the provident fund. If the payment period of the provident fund is not enough, the application for provident fund loans will also be rejected.

In many areas, it is stipulated that borrowers must pay the housing provident fund in full for more than 6 months (at least 2 months before applying for a loan, not counting overdue), and the agreement on withdrawal and repayment of housing provident fund has not been terminated.

2. The balance of the provident fund is insufficient.

Of course, it is not necessarily better to pay more than less, because there is also a balance problem. On the one hand, some units pay the provident fund according to the minimum standard, because the amount is too small, and the balance of the provident fund will be much less in Beverly. For example, Xiao Wang's monthly provident fund is only 320 yuan, and Xiao Li's monthly provident fund is 1000 yuan, so Xiao Wang may only work 3840 yuan a year, while Xiao Li works 6000 yuan for half a year, which is quite different. The amount of provident fund loans is directly linked to the balance of provident fund accounts. If the amount is not enough, it is likely that the loan will not be available.

The first suite has not been decided.

If you buy a second suite, the first suite is also bought with a provident fund loan. If the provident fund loan is not settled, you can't apply for a provident fund loan if you buy a second suite.

4. Poor credit

Mortgage has a high demand for personal credit information. Because the mortgage repayment cycle is long and the amount is high, people with credit defects are easily rejected. If you want to apply for provident fund loans smoothly, you must maintain your personal credit information.

Buying a house with provident fund, under what circumstances can't I enjoy the provident fund loan to buy a house?

Provident funds can solve many things for a large number of people who buy houses, but you must be in trouble when you ask this question. So under what circumstances can't you use the provident fund to buy a house?

If most people use the provident fund to buy a house for the first time, there will be no problem, but there are three situations in which they cannot enjoy the provident fund to buy a house.

1, outstanding provident fund loan

Provident fund loans are not loans you want to borrow, and the first loan and the second loan are distinguished.

The first loan refers to the first time that buyers use provident fund loans to repay their mortgages. Under the New Deal, the minimum down payment is 20%.

The second loan means that the purchaser has used the provident fund loan to repay the mortgage and has settled the loan. If it is reused, the minimum down payment will be 30% after the 330 New Deal.

For the first outstanding provident fund loan, many cities do not support the use of provident fund, which means you can't borrow. However, there are also cities to support the minimum down payment of 40%, such as Kunming, Yunnan and other cities.

2. Non-ordinary residence

The standards of ordinary residence and non-ordinary residence have been reiterated many times in Rong 360. Although each city is different, it is basically measured by area and unit price. Generally speaking, people under 90 square meters can be considered as ordinary houses.

Provident fund loans in some cities only support ordinary housing, and non-ordinary housing cannot use provident fund loans. However, some cities recognize that the first set of self-occupied housing can use provident fund loans.

3. The third suite

Most cities in the country only support families to buy two houses, and property buyers cannot use provident fund loans to buy a third suite.