Schematic diagram of personal housing provident fund loan handling process

Accepting the application-At that time, the borrower applied for a loan at the loan bank with the required information, and the loan bank accepted, reviewed and interviewed the borrower at that time. After the examination and confirmation, it instructs the borrower to fill in and print the loan application form, and the borrower signs it for confirmation, and the loan bank sends the information to the provident fund center.

Preliminary examination of loan-when the provident fund center completes the preliminary examination of the loan application form at that time, it will confirm whether to approve the loan application.

Signing-the borrower signs loan documents such as loan contract, loan receipt and entrusted withdrawal agreement within 2 working days; The loan bank shall, within 2 working days, review and sign the loan contract, loan receipt, entrusted withdrawal agreement and other loan materials.

Handling guarantee-if the mortgage guarantee is completed within 6 working days, the pledge guarantee is completed within 7 working days, and the guarantee guarantee is completed within 1 working day, the guarantee company will handle the guarantee and counter-guarantee procedures; If the mortgage is secured, the loan bank shall handle the mortgage registration formalities; If there is a pledge guarantee, the lending bank shall go through the pledge formalities.

Loan approval-the loan bank will submit the loan information to the center for approval within 2 working days.

Loan review-1 working day to complete the review of loan information by the center and confirm whether to approve or disapprove the loan application.

Fund transfer-the center will transfer the loan funds to the loan bank within 1 working day.

Loan issuance-the loan is completed within 2 working days, and the bank transfers the loan funds to the seller's or borrower's account.