When will Guiyang's housing provident fund loan be refunded?

Generally speaking, housing provident fund loans will arrive in one month or several months. Generally speaking, banks will issue provident fund loans only after the borrower's application for provident fund loans is approved, and the upper and lower households successfully handle the transfer and successfully obtain a new real estate license issued by the trading center. Because there are many approval processes, the period from approval to lending of provident fund loans is generally between 1~3 months or even longer. Moreover, in some places, it is stipulated that provident fund loans need to be issued only after the main project of commercial housing is capped, which leads to a long loan period of provident fund loans, so many developers will require buyers to choose commercial loans. However, after the establishment of municipal provident fund management centers in some areas, the lending cycle of provident fund loans has been greatly shortened.

What is the process of buying a house with a personal housing provident fund loan? ：

(1) preliminary examination: the housing provident fund management center conducts preliminary examination on the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation.

(2) Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

(3) Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

(4) Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center and handles guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

(5) sign a loan contract.

(6) The housing fund management center signed an entrusted loan agreement with the entrusted bank.

(7) The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can collect the borrower's application materials on behalf of the borrower as needed and submit them to the housing provident fund management center for approval.

(8) The housing fund management center shall sign an entrusted loan contract with the entrusted bank after verifying the amount, term and interest rate of each loan.

(9) According to the entrusted loan contract, the entrusted bank shall go through the loan formalities after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

(10) The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.