What should I do after receiving the news that the provident fund loan has been released?

1. What should I do after receiving the news that the provident fund loan has been released?

I'm not sure whether you have a mortgage or a mortgage.

Mortgage loan:

The approval time of pure commercial loans is generally about one month;

The approval time of commercial portfolio provident fund loans with complete materials is generally about 1.5 months;

Real estate mortgage loan

The approval time is generally: 1 month-1.5 months, and the overall time is similar.

First, confirm whether you have received the approval SMS (usually term, amount and bank name) sent by the bank.

No matter whether you receive the SMS or not, if the time interval is too long and there is no news, you can directly call the service hotline at the beginning of this bank 9 to find out the situation and ask for help to follow up or inquire about the progress (in fact, you can't find it, mainly follow up). The supervision of the service hotline also helps the loan progress.

If it is confirmed that you can't deposit for various reasons, find the next bank quickly.

As for the bad factors that the loan cannot be approved:

Mortgage may default due to delayed payment;

Mortgage will affect, generally there will be no other impact.

Second, the provident fund to buy a house, the loan receipt has been obtained, what should I do next?

Task occupation pit

3. What do housing provident fund loans need to do?

Legal analysis: after the provident fund is released, the required procedure is to sign my bank loan contract at the bank.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

4. What should I do after receiving the news that the provident fund loan has been released?

1. Repayment: The borrower shall deposit the repayable principal and interest in the bank card (discount) or repay it at the bank window until the loan is fully paid off.

2. If a borrower who meets the conditions of personal housing commercial loan pays the housing provident fund at the same time, he can apply to the bank for housing commercial loan with the same amount of personal housing commercial loan, that is, the borrower can use the urban self-occupied housing purchased in this city (or other guarantee methods recognized by banks) as collateral.