1. The provident fund loan has not been settled. 2. The area of ??the first house exceeds 140 square meters; 3. Provident fund loans cannot be used for non-residential properties; 4. People who have used provident fund loans twice are among the restricted loan groups; 5. Old second-hand houses; 6. Provident fund accounts are abnormal ;7. Bad credit record; 8. Untrue situation or incomplete information;