How long is the normal approval of provident fund loans?

How long does it take to apply for a provident fund loan?

The processing time of provident fund loans generally takes 18 to 19 working days. The following is the time required for each link of the provident fund loan:

1. It usually takes 1 working days to complete the housing provident fund loan application form at the bank counter.

2. The pre-loan review, post-loan review and review by the municipal housing provident fund management department of the lending bank can generally be completed within 2 working days.

3, the city housing provident fund management center audit, general 1 working days can be completed;

4. After approval, the loan bank signs a loan contract with the borrower, which can generally be completed within 2 working days;

If the borrower chooses to guarantee, it will take 6 working days to go through the mortgage formalities in the bank. When choosing mortgage guarantee, it takes 7 working days to apply for mortgage insurance. It usually takes 6 working days to choose the pledge guarantee to handle the pledge formalities.

6, the loan will guarantee information submitted to the city housing provident fund center, generally completed within 2 working days;

7, the city housing provident fund management center for approval of the guarantee materials, generally completed within 3 working days;

8. The transfer formalities of the loan bank are generally completed within 1 working day.

Extended data:

What materials do you need for provident fund loans?

Proof of deposit of the applicant's and spouse's housing provident fund;

(2) Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status;

(3) proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(six) other information required by the provident fund center.

How long can I approve the provident fund loan application?

To apply for a provident fund loan, it takes about 10-20 working days to approve the loan with complete information. The conditions for applying for public housing loans are as follows: (1) The housing provident fund system has been established for one year, and the housing provident fund has been paid in full and continuously for more than half a year every month; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legitimate housing purchase (construction, renovation and overhaul) contracts and agreements and supporting documents approved by relevant departments; . If you buy a house, you should have paid a down payment of not less than the specified proportion; Construction, renovation, overhaul of housing, can pay not less than the prescribed proportion of the construction, renovation, overhaul of housing costs down payment or self financing; Can provide the guarantee conditions recognized by the management center. At present, the guarantee method recognized by the center is that the house that has obtained the property right is used as the loan collateral, and the guarantee company or real estate company uses the house purchased by the loan as the loan collateral, and at the same time provides joint or phased guarantee and joint guarantee of the housing provident fund; Other conditions that need to be met when applying for provident fund loans. Materials to be submitted when applying for housing provident fund: a copy of the applicant's ID card; Copy of the applicant's household registration book (home page, personal page and change page); Copy of down payment invoice for house purchase; Original and photocopy of the commercial housing sales contract; Original and photocopy of the house ownership certificate; Original loan application form. Steps to apply for housing provident fund loan: the applicant brings information to the management center for consultation, application and filling out the application form; After approval, the center will issue a power of attorney to the applicant; After receiving the notice, the applicant brings all the originals to the bank to sign the contract. , and at the same time in the notary office for notarization procedures; The applicant should wait for the house seller to stamp the signed contract information; The applicant holds a secured loan contract (mortgage contract) until the real estate management office handles the mortgage registration; The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.

How long does it usually take for the provident fund to be released?

After the provident fund loan is approved, it will enter the lending stage after signing the loan contract, handling the mortgage and other related procedures (this link will be completed in about one week), and it will arrive in about one or two months. Of course, sometimes things may be delayed, and it may take more than three months for the loan to arrive.

For example, if you apply for a provident fund loan at the end of the year, because the bank funds are relatively tight at the end of the year, you will often wait until the beginning of the next year to lend money, and during this period, you have been in a state of "waiting for a loan".

Because the process of provident fund loans is complicated and takes a long time, one to three months is actually very common. In addition, we need to note that some local governments require that provident fund loans can only be issued after the completion of the main structural project of commercial housing, so it is easy to delay the lending cycle of provident fund loans, which is why many real estate developers suggest commercial loans. Of course, there are also many cities that have shortened the lending cycle and can realize rapid lending, which takes about 7 to 0/5 working days.

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Extended data:

How long does it take to approve provident fund loans?

The loan process of individual housing provident fund is complex, and it usually takes about one or two weeks from the submission of application materials to the acceptance, review and issuance of approval results by the housing provident fund management center; Then, the entrusted bank will sign a loan contract and go through the relevant procedures such as mortgage and guarantee, which will be completed in about 5 to 7 working days; After that, it usually takes a week or two for banks to lend money. If it is delayed, it may take about a month or two.

It can be seen that it takes about two to three months from applying for provident fund loans to approving loans and receiving loans. If the application for provident fund housing loan has been delayed for three months, it is suggested to contact the customer service staff of the entrusted bank to inquire and see what is going on, so as to remind the other party to lend money as soon as possible.

If it happens that the bank is short of funds, it will have to wait patiently. At the same time, we must pay attention to maintaining good personal credit. If the bank conducts a second audit before lending, it will be unfavorable for personal influence mortgage loan due to the recent credit problems.

How long can the provident fund loan be approved?

: Under normal circumstances, the approved provident fund loan can be released normally within 7- 15 days. General lending time of provident fund loans: 1. If it is a provident fund loan (without reconsideration), it will take 7 days to get approval after submitting the information. 2. Transfer transaction is required after approval, and the loan will be released about 7~ 10 days after the transfer transaction is completed.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

In any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account:

Purchase, construction, renovation and overhaul of owner-occupied housing;

2 retired;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

Rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.