For example.
The balance of Xiaoming's provident fund account is 20,000 yuan, and the status of the provident fund account is normal, which has met the local provident fund loan conditions. If he wants to buy a 500,000 house, the minimum down payment ratio is 20%.
Xiaoming can first provide the balance of the provident fund account with 20,000 yuan on the grounds of buying a house, then prepare 80,000 yuan of funds by himself, and collect 654.38+10,000 yuan to pay the down payment for buying a house. At the same time, he puts forward a provident fund loan for buying a house to the provident fund center, which is called "raising loans and refinancing".
When many people apply for online loans, they are told that they have become black households because of insufficient comprehensive scores. If it is not the illegal households caused by overdue, you need to find other reasons. For example, is it caused by the high frequency of online loan applications? You can find your own unclear places in the "Four Happiness Data". As long as you understand the reasons for becoming a black household, you can improve online loan big data according to the situation.
Extended data:
What should I pay attention to when the provident fund is refinanced?
Need to pay attention to the following matters.
1. When purchasing a house to withdraw the provident fund, it is generally impossible to withdraw all the balance of the provident fund account. For example, Changsha Provident Fund Center requires that the provident fund account should have at least 100 yuan, which is subject to the regulations of the local provident fund center.
2. If the provident fund is refinanced, you can also apply for a provident fund loan first, and then apply for a house purchase. However, considering that the borrower will use the provident fund to repay the loan, there may be requirements for the amount retained in the provident fund account.