How long can Hangzhou Provident Fund 202 1 generally lend money? Hangzhou provident fund loan is being issued.

Hangzhou housing provident fund loan, the state changed from loan issuance to loan review? What's going on here?

The status of applying for provident fund loans in Hangzhou, from loan issuance to loan review, may be that problems have been found, and your loan qualifications, including credit information, should be re-reviewed.

About provident fund loans.

Housing provident fund loans are loans enjoyed by employees who deposit housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented.

The difference between provident fund loans and commercial loans

Difference 1: the loan interest rate is different.

The benchmark interest rate for commercial loans over five years is 4.9%, and the interest rate for provident fund loans over five years is 3.25%.

Difference 2: The loan ratio is different.

For the same house, if the first set of urban commercial loans can be 70%, then the first set of pure provident fund loans will be almost 80% at most.

Difference 3: The loan process is different.

To apply for a commercial loan, the loan must be reviewed before the transfer, and the provident fund loan is reviewed after the transfer.

Difference 4: The approval time is different.

It takes about 20 working days to approve commercial loans and 40 working days for provident fund loans. Commercial loans are faster than provident fund loans.

Difference 5: Different sources of loans

Commercial loans mainly come from public funds raised by commercial banks and other lending institutions, while provident fund housing loans are funds paid by provident fund depositors.

Difference 6: Different users.

Commercial loans are for all eligible members of the public, while provident fund loans are only for employees who pay provident fund.

Difference 7: Interest is used for different purposes.

The interest of commercial loans is the profit of commercial activities and belongs to relevant investors, while the interest of provident fund is used according to the policy and can only be used for the construction of affordable housing.

Difference 8: The examination and approval institutions are different.

Commercial loans are mainly approved by banks, which make decisions; The provident fund mortgage needs the approval of the provident fund management center, and the decision is made by the provident fund management center, and the bank is only the executing agency.

Difference 9: The year and quota are different.

Different cities, different banks and provident fund management centers have different regulations. Generally speaking, commercial loans can choose a longer and more flexible repayment period and a higher amount.

Difference 10: The second suite is different.

Commercial loans have more restrictions on the second home loan policy and higher interest rates; Provident fund loans are less affected by the second home loan policy and can also enjoy preferential interest rates.

To sum up, commercial loans and provident fund loans are not only different in interest rates, but also in auditing and second-home loans, which also reminds buyers that it is best to find a unit that can pay housing provident fund for you when looking for a job, so that you can have more choices when choosing loan methods.

Provident fund inquiry loan application has been approved. What do you mean the loan is being issued?

This means that your provident fund has been approved and transferred from the provident fund to the bank for approval. After the bank approval is completed, you will enter the loan state. After the loan is released, it can be repaid next month, and then the mobile phone will receive relevant text messages. As for how long it will take, it depends on how many loans your bank accepts. If it takes a long time, you can rest assured that your loan will come down.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

Now many people are working families, and the company will give them five insurances and one gold, and one gold refers to our provident fund. With the provident fund, we can buy a house. For those without provident fund, it is very suitable for those with provident fund to buy a house. First of all, we can use the money in our own provident fund to deduct the house payment, and we can use the provident fund loan. Even if you don't use the provident fund to buy a house, you can use the money in the provident fund to deduct it when renting a house in some big cities. For them, reducing some expenses is a very good experience.

Hangzhou provident fund loan shows that the loan is being issued. How soon will it arrive?

I. Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

The second is the conditions for handling housing provident fund;

Individuals and their units must continue to pay housing provident fund for one year;

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

The provident fund loan shows that the loan has been approved and is being issued. What is the procedure behind this? Does that mean you can get a loan?

If the provident fund loan shows that it has been approved and is being issued, then the next process is to wait for the bank to lend money. It usually takes 3 months, and the second-hand house takes about 1 month. It should be noted that banks have basically stopped lending money every year since June 5438+February.

1, if the loan application materials submitted by the municipal housing provident fund management center are complete, it will take no more than 15 working days from loan acceptance to loan approval; Then the signing of the contract, the seal of the parties to the contract, and the mortgage registration and filing;

2. After the mortgage registration is completed, the municipal housing provident fund management center will receive the mortgage registration certificate and enter the loan fund distribution link as planned. Affected by the substantial increase in the amount of provident fund loans, at present, the cycle from the preparation of certificates to the issuance of mortgage warrants.

3. Generally, it takes about three months, and the second-hand housing loan cycle is generally around 1 month. After the loan is issued, the staff will inform the borrower to collect the loan transfer voucher by phone or SMS, and then the borrower will repay the loan according to the contract.

The ambiguity of the loan problem can be found in Miao Wei. Miao Wei's financial and business education designed the teaching mode of the practical course of the square course according to the research results of the national training laboratory of the United States.

Tutors teach online, use group teaching simulation drills, understand the methods of group discussion homework test, and help students master financial literacy knowledge systematically and scientifically.

Let's not talk about the introduction of Hangzhou provident fund loans.