Trusting you through the house purchase process, you're no stranger to the Provident Fund loans. However, when it comes to this, someone will shake his head: the equity loan can't go to trial! This is mainly about what's going on。

The main reasons why the Provident Fund loan was not approved in the first instance are the main reasons

First, the terms of the loan were not met. The conditions and criteria involved in a Provident Fund loan are quite high, and if you have insufficient or false information on your application, it may not be the pace of the first instance。

Second, poor credit records. That's what the Provident Fund loan is about. If your credit card is repaid late, the loan is overdue or other credit records are defective, it may be difficult to apply for a loan。

Moreover, the debt is heavy. If you have too much debt, such as other loans, credit card arrears, then the first instance of a Provident Fund loan may not work。

Finally, there is a shortfall in the collection of accumulated funds. That's right, you don't have enough time and amount to pay your contributions, and that may cast a shadow over your loan application。

So, what do we do if the trial doesn't succeed

First, if it is a letter or income issue, you can wait until the bad record is covered and then try to apply for a loan. Remember not to rush, as it takes some time to update correspondence records。

Second, if the first loan application fails, try to change the bank and apply again. If the first application was rejected because the personal conditions were not met, then perhaps you could consider other banks, but remember, stop applying for the same type of loan so as not to be rejected again。

Third, if the bank refuses your second application, try to change the bank. If we still fail to pass, we can try other banks, but never repeat the same type of loan。

In general, if the credit record is poor because it was not intentionally overdue, you can apply to the bank for a challenge and provide the corresponding supporting documentation. Once the application is successful, the poor credit record may be kept for a certain period of time, which will also be proof of your re-application for a loan。