How long does it usually take for provident fund loans? How to see the approval progress?

Inquiries about the progress of provident fund loans include: calling the provident fund hotline, inquiring about provident fund in official website and inquiring about online banking of loan banks.

Enquiries about the progress of provident fund loans:

1, call the provident fund hotline:

Borrowers can call the national unified hotline of provident fund 12329, and enter the account number and password of provident fund according to the prompts for voice self-inquiry.

2, provident fund official website query:

On the link of "Housing Provident Fund Inquiry" in official website, the local provident fund management center, enter the inquiry page, enter the provident fund card number and password, and enter the account details page.

loan limit

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Refer to the above content: Baidu Encyclopedia-Provident Fund Loan