Users can use flower buds during the period of applying for provident fund loans. However, the use of flower buds must be repaid on time, and the amount used should not be too high, otherwise it may affect the audit results of provident fund loans. Personal debt ratio is too high, and there are overdue records of credit information, which will lead to the failure of the provident fund loan review. As long as the flower buds avoid these two points, users can use the flower buds with confidence when applying for provident fund loans.

Of course, for safety reasons, users can also use the flower buds after the provident fund loan is approved.

How long can provident fund loans generally be approved?

It takes a long time to apply for provident fund loans, so the application process is more complicated and there are more staff involved, so the approval time is also longer. There are mainly the following two situations:

First, new housing provident fund loans.

For new housing provident fund loans, developers need to go to the real estate bureau and the provident fund center to handle the relevant filing procedures for the corresponding loan property. You can apply for provident fund loans after successful filing, but you can't apply for provident fund loans for unregistered properties.

When the funds are complete and the balance of the provident fund is sufficient, the borrower will submit the materials to the handling personnel for approval on the same day, sign the loan contract at the bank on the same day, and the bank will go through the mortgage formalities at the housing management department within 3 days, obtain the mortgage registration materials after 12 working days, and issue the loan within 3-4 working days.

Second, second-hand housing provident fund loans

It takes 10 working days for the second-hand housing provident fund loan to review the qualification of buying a house, and it takes 3 working days to verify the house at the same time. If there is a mortgage, it needs to be released during this period;

It takes 1 working day to sign the second-hand house online, and submit the evaluation at the same time. real estate assessment will get the result in 5-7 working days;

It takes 5-8 working days for the second-hand housing provident fund loan application to complete the face-to-face signing and preliminary examination, and 5-8 working days for the materials to be provided to be inconsistent or other circumstances to be proved;

It takes 1 working day for the provident fund management center to sign the loan contract, and it takes 5 working days for the buyer and the seller to pay taxes and transfer, and the borrower will issue other rights certificates with the new house as collateral;

The loan will take 10- 15 working days. Generally speaking, the whole process takes 6-8 weeks to succeed.

Tips: The above-mentioned lending time is under the condition that the borrower's information is fully prepared and both parties actively cooperate. In addition, the approval time of each city is slightly different, which is subject to the time given by the provident fund management center of each city.