Generally speaking, the time of provident fund loan is when the borrower's application for provident fund loan is approved and the upper and lower households successfully handle the transfer and get it? Provident fund loans can only be issued after issuing new real estate licenses in 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.

1. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

2. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.

Second, how long does the loan usually take?

It takes about 3-7 working days to review the general loan application materials. After the bank agrees to the loan, it will take about 15 working days to handle the transfer and mortgage procedures, so the final loan may take more than one month. However, the time from loan approval to lending will be different for different banks and different periods.

3. How long does it usually take to apply for provident fund loans and lend money?

Hello, generally speaking, the bank will issue provident fund loans only after the borrower's application for provident fund loans is approved, the upper and lower households successfully handle the transfer and successfully obtain the 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 the municipal provident fund management center in some areas, the lending cycle of the city's provident fund loans has been greatly shortened. For example, Guangzhou, Shanghai and other provinces and cities have basically realized the rapid release of provident fund loans, and the approved provident fund loans can be released normally within 7~ 15 days. Provident fund loans, the submission of materials to approval is generally about 7 days, but