How long can Foshan provident fund loan be released in 2022?

How long can Foshan provident fund loan be released in 2022?

In 2022, how long can Foshan provident fund loans be released? The borrower signs relevant contracts or agreements with the provident fund management center. After the contract is signed, the provident fund management center will entrust the bank to lend money. How long can Foshan provident fund loan be released in 2022?

How long can the 2022 Foshan Provident Fund loan be released? General provident fund loans will be released within 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 loan bank for pre-loan review, post-loan review, the city housing provident fund management review, generally can be completed within 2 working days.

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

What are the requirements for provident fund loans?

The borrower shall meet the following conditions:

(1) Having a legal and valid identity certificate;

(2) Having full capacity for civil conduct;

(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

(four) the purchase, construction, renovation, overhaul occupied housing;

(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

(seven) to provide a guarantee recognized by the client;

(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;

(9) It meets other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.

2. Borrowers who purchase non-policy housing should, in principle, continuously deposit the housing provident fund in full 12 months before applying for loans, and be in the paid state when applying for loans.

3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.

How long can Foshan provident fund loan be released in 2022? How to borrow Foshan provident fund loan?

(1) online application

1. The applicant logs on the Guangdong government service network;

2. Fill in the application form online and upload the application materials in the prescribed format;

3. Submit the application online;

4. Notify the application result by SMS.

(2) Offline application

1. Application: The applicant applies on the spot and submits the application materials as required.

2. Acceptance: After receiving the application materials, the staff will make a decision on acceptance or rejection on the spot. After examination, if the materials are incomplete or do not conform to the statutory form, the staff will inform the applicant of all the contents that need to be corrected at one time. If the applicant meets the application qualification, and the materials are complete, the format is standardized, and the legal form is met, it shall accept and issue an acceptance receipt; If the applicant does not meet the application qualification or the materials are incomplete and do not meet the statutory form, the recipient will not accept it.

3. Review: After acceptance, the reviewers will review the materials in writing and make a review decision within the promised time limit.

4. Decision: if it meets the statutory conditions and standards, it will be approved and a short message will be sent to inform the applicant; Those who' do not meet the statutory conditions and standards' will not be passed, and a short message will be sent in the system to inform the applicant and returned.

What are the procedures for provident fund loans?

1. First, the borrower needs to go to the local provident fund management center and the bank that handles the loan to check whether it meets the loan conditions, and if it meets the conditions, prepare the relevant materials needed for the housing provident fund loan.

2. The borrower shall submit a written application to the local provident fund management center with the information required for handling the provident fund loan, fill in the Application Form for Housing Provident Fund Loan, and truthfully provide relevant information.

3. After receiving the application materials of the borrower, the housing provident fund management center will review the loan qualification, loan amount and term.

4. After passing the examination, the provident fund management department will issue the Notice of Collateral Appraisal again, and the borrower will apply for collateral appraisal to the appraisal institution designated by the provident fund management center with the Notice of Collateral Appraisal.

5. The borrower signs relevant contracts or agreements with the provident fund management center. After the contract is signed, the provident fund management center will entrust the bank to lend money.

6. After obtaining the loan funds, the borrower can repay the arrears on time according to the loan contract.

How long can Foshan provident fund loan be extended in 2022? At present, the mortgage interest rates of most banks in Foshan have not changed much. The first home loan interest rates are mainly 5.0% and 5.2%, and the second home loan interest rates are 5.2% and 5.4%.

At present, the lowest interest rate of the first home loan is 4.6%, which is HSBC. Why can the interest rate be so high? It is reported that it is precisely because foreign banks have less mortgage business and low cost that they can make concessions.

In addition, according to the Bank of Guangzhou, the current bank quota is sufficient, and loans can be made after the mortgage is completed.

The Construction Bank also said that it can lend money after completing the mortgage filing procedures.

At least six major banks offer extension services.

Regarding the issue of "deferred repayment", some banks said that there is indeed customer consultation at present.

Foshan Leju Consulting learned that at present, six major banks, including China Merchants Bank, China Construction Bank, Foshan Rural Commercial Bank, Bank of Guangzhou, Industrial and Commercial Bank of China and Postal Savings Bank, have indicated that they do have loan extension services.

The main targets are those who are hospitalized or isolated due to infection in COVID-19 and those who need to be isolated due to epidemic prevention and control; Personnel involved in epidemic prevention and control; Customers who have temporarily lost their sources of income due to the epidemic.

Among them, CCB said that it can provide three types of services to qualified customers:

First, a short-term deferred repayment of up to 28 days, which will not be collected during the extension period and will not affect the credit investigation;

The second is to adjust the billing plan, reduce the current installment repayment amount according to the epidemic situation in various places, and postpone the reduction to the next month;

The third is to extend the loan term, extend the overall loan term, postpone the maturity date and reduce the installment repayment amount. At the same time, CCB implements credit protection measures for customers who meet the conditions of deferred repayment.

Bank of Guangzhou said: "If the repayment is difficult due to the epidemic, you can apply to our bank for an appropriate extension." Banks will give a penalty interest reduction policy to ease the repayment pressure; And open a green channel to deal with the application for credit information objection affected by the epidemic.

For Foshan Rural Commercial Bank, customers who meet the requirements after verification can apply for an extension of repayment of principal and interest for up to three months.

China Merchants Bank responded that for customers affected by the epidemic, according to the actual situation of customers, it provides deferred repayment services for a certain period of time, including renewing loans when due, changing repayment date to extend repayment time, and not collecting money during deferred repayment.

For the customers in 1 area affected by the epidemic, after the repayment is normal, provide relevant materials to the bank to prove that the repayment ability has decreased due to the epidemic, which can help adjust the overdue credit information, but the relevant account manager must be consulted for details.

On the other hand, the Postal Savings Bank provides deferred repayment service for eligible customers for up to 6 months.

However, it should be noted that deferred repayment is interest-free, and some banks cannot be interest-free during the grace period. After the expiration, they also need to make up the principal and interest of the grace period. The longer it is delayed, the more pressure it will put on subsequent repayment.

However, compared with the pressure of repayment, the consequences of breach of contract are more serious. First of all, credit information will definitely be affected, and it will be difficult for lenders to apply for bank loans in the future; It may also lead to the house being auctioned. If the house payment is not enough to offset the bank debt, it will eventually continue to pay back the money.