Compared with commercial loans, the biggest advantage of provident fund loans is the low interest rate (commercial loans for the first suite are more than five years, the loan interest rate is 4.9%, provident fund loans for the first suite are more than five years, and the loan interest rate is 3.25%), so buyers who meet the conditions of provident fund loans will choose provident fund loans first when they buy a house. However, provident fund loans are not an easy task. If the loan is successful, it is necessary to fully consider the credit information of the buyers themselves, the types of houses they buy, the choice of developers and other issues. The following conditions shall not occur. These types of houses cannot apply for provident fund loans. According to the Regulations on the Management of Housing Provident Fund and the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities (Guo Fa [2065 438+00] 10), the following types of houses cannot apply for provident fund loans. 1) If you use the housing provident fund personal housing loan for real estate speculation, you cannot apply for the provident fund loan; 2) The first suite is purchased by provident fund loan, and the loan has not been paid off, so the second suite cannot apply for provident fund loan; 3) Workers' families who buy the third or above houses cannot apply for housing provident fund personal housing loans. 4) Those who buy non-residential buildings such as office buildings, commercial buildings, garages and villas cannot apply for provident fund loans. It should be noted that different cities will have different regulations on provident fund loans according to different purchase areas. For example, if the per capita area of the first suite in Beijing is less than 3 1.3 1 _, and the loan for the first suite has been paid off, you can apply for provident fund loans if you buy the second suite, but you can't apply for provident fund loans if the per capita area of the first suite is greater than 3 1.3 1 _; In Nanjing, the per capita area of the first suite exceeds 33_, and the second suite can no longer apply for a second set of provident fund loans. Therefore, before applying for a provident fund loan for a non-first suite, you can go to the local provident fund website to inquire about the relevant regulations. In addition, under normal circumstances, it is difficult to apply for provident fund loans or commercial loans when buying second-hand houses for more than 30 years. It is difficult for buyers to apply for provident fund loans if they have problems with credit reporting. Even if you use the provident fund loan in full and don't take commercial loans, you can't apply for provident fund loans if you have problems with your credit information. For example, the credit card has been overdue for 3 consecutive times, accumulating 6 times; The monthly payment of car loan is overdue for 2-3 months or not paid back; The monthly payment of the existing mortgage is overdue or overdue for 2-3 months. In addition, the water and electricity charges are not paid on time, and the arrears caused by the inability to sell the phone number will also affect your credit information. It is suggested that before applying for provident fund loans, you should go to official website, the personal credit service platform of the Credit Information Center of the People's Bank of China, and make different requirements for provident fund loans, such as deposit ratio, deposit times, liquidated damages, and supplementary payment. For example, Guangzhou Housing Provident Fund Management Center stipulates that if the housing provident fund loan has not been paid continuously in the last six months from 2011,the loan application will not be accepted, and the payment certificate issued by the unit will not be accepted; The loan amount of Shenzhen housing provident fund is adjusted to 14 times of the balance of the provident fund account. Therefore, before applying for housing provident fund loans, you can consult the local housing provident fund management center in detail. It should be noted that unlike commercial loans, provident fund loans only record their own use times. If the provident fund account has two loan records, it is impossible to use the provident fund loan. There is no problem with the developer's own credit information and provident fund account, and the house he bought is also within the scope of applying for provident fund loans. Why do some developers refuse to accept provident fund loans? If these problems arise, we need to look at the qualifications of the developers themselves. Because of the use of provident fund loans, it is necessary to sign a corresponding cooperation agreement with the provident fund management department, which has strict requirements on the registered capital, working years and completeness of the five certificates of developers. In addition, compared with commercial loans, the approval procedures for provident fund loans are cumbersome, which is not conducive to the rapid withdrawal of funds by developers. If the developer refuses the provident fund loan to buy a house on the grounds that the loan is too slow, the buyer can report to the local provident fund center according to the local housing provident fund management measures. For example, according to Article 3 1 of Nanning Housing Provident Fund Management Measures, when selling commercial housing, real estate enterprises shall not obstruct or refuse buyers to choose provident fund loans. For buyers who choose provident fund loans and commercial bank loans, the same sales price shall be implemented, and the conditions that are not conducive to the choice of provident fund loans shall not be increased in any form.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Legal basis: "Regulations on the Management of Housing Provident Fund" Employees can withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, who is sentenced to death, life imprisonment or fixed-term imprisonment at the expiration of the statutory retirement age; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.