How to check the progress of Xiangyang housing provident fund loan?

There are three ways to check the progress of housing provident fund loans:

1. Lenders can log in to the loan progress query on the homepage of the housing provident fund management center website for quick channel inquiry;

2. Lenders can call the 12329 customer service hotline for self-service inquiries;

3. Lenders can also bring their ID cards to the entrusted lending bank or the central credit management office for inquiries.

The time required for housing provident fund loan approval:

Housing provident fund loans are submitted to the provident fund center for approval after the loan application is accepted by the entrusted lending bank. The provident fund center will receive the materials submitted by the entrusted lending bank. From the date of application, loan approval will be completed within 7 working days (combined loans require additional commercial loan approval from the entrusted lending bank). If the review and approval cannot be completed within 7 working days due to special circumstances, the application can be extended for 5 working days with the approval of the person in charge of the Provident Fund Center. The Provident Fund Center or the lending bank must inform the applicant of the reason for the extension.

Housing provident fund loan application conditions:

1. The housing provident fund must be paid in full and normally as required, and the deposits must have been made continuously for more than six months (inclusive) when applying for the loan.

2. The house purchased is an ordinary house for self-occupation in this city. There is a house purchase contract and relevant certification materials that comply with legal provisions, and the applicant agrees to use the purchased house as a loan guarantee.

3. When purchasing commercial housing, the sales property has been approved by the central government. After the contract is signed (the payment method is agreed to be a mortgage loan) and the down payment is paid, a loan application is submitted.

4. When purchasing a second-hand house, the real estate agency has been registered with the center. After signing the contract (the payment method is agreed to be a mortgage loan), paying the down payment, and before going through the real estate transaction transfer procedures, the loan application is submitted.

5. Those who purchase public housing should submit a loan application after the contract is signed, the entire house price has been paid, and before the real estate transaction transfer procedures are completed.

6. For demolition and resettlement, the loan application should be submitted after the contract is signed, the entire house price has been paid, and before the real estate transaction transfer procedures are completed.

For employees whose families have 2 or more houses in their name, or whose provident fund loans have not been settled, provident fund loans will not be granted.