This is the case, although many would like to buy a house by applying for a Provident Fund loan, this is not a low demand. If they do not meet the requirements, they will not receive the loan. So there's a preliminary trial. Is there a review? Look together。

Is there a review after the first trial of the Provident Fund loan

Well, the Provident Fund loan will be reviewed. In short, once the first instance is passed, the bank carries out a second review, primarily to see how much money you borrow, whether you can repay it, and what the status of the letter is. The general process is that the bank sends the client manager to sign to confirm your personal information, check again the amount of your loan, your ability to repay, your letter of credit, and check your information for additional information. If the client manager is in doubt, you will be provided with additional information or a detailed explanation. On face-to-face, you should also provide honest information, answer questions and seek the approval and approval of the bank。

What, then, are the reasons why Provident Fund loans would be rejected

First of all, there is poor personal recognition. Provident Fund loans are very important to your credit position, so care is taken to maintain good personal credit, especially to avoid a three-month or six-time record, which makes it easy to refuse loans。

Second, the individual debt ratio is too high. The banks are keen to see whether you can repay your debt, whether you have a large debt or a low income, which could cause the banks to suspect, and then reject your application for risk avoidance。

The time and amount of the Provident Fund was then not eligible. In general, you have to contribute to the Housing Provident Fund for a continuous period of six months before applying for a loan, and the Fund is in a normal state. But policies vary from place to place, and you need to find out first。

Finally, developers do not support the PRGF. Some developers want to collect money quickly, so they will ask buyers to buy a full-cost house or choose a commercial loan because of the slow recovery of the Provident Fund loan. But it's against the rules. You can complain。