At present, the loan period of housing provident fund in China is 1-30 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to five years after the statutory retirement age.

How long does it take to approve the provident fund loan in different places?

Hello! I'm happy to answer your question. Here is my answer:

The approval time of provident fund loans depends on the specific circumstances, and it takes about 15 to 20 working days to lend money. The review process time of provident fund loans is as follows:

1, the loan application (fill in the housing provident fund loan application form) will be completed on the same day;

2, the bank loan review, agreed to report to the municipal housing provident fund management center for review, completed within 2 working days.

3, the city housing provident fund management center to review the loan, completed in 1 working days.

4. After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.

5. If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage formalities, which shall be completed within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.

6, the loan bank will submit the borrower information to the city housing provident fund, completed within 2 working days.

7, the city housing provident fund management center for approval of loan materials, completed within 3 working days.

8. The borrower goes to the loan bank to handle the transfer formalities, which will be completed in 1 working day.

Is the passing rate of provident fund loans high?

The success rate of provident fund loans varies from person to person, mainly depending on personal qualifications, good qualifications and good credit. If there is no overdue record, the success rate is high, and vice versa.

Under normal circumstances, as long as the following circumstances do not occur, the application for provident fund loans can generally be successful.

1. Current loan or credit card is overdue;

2. Non-repayment records of quasi-credit card overdraft exceeding 180 days;

3. Record the unpaid times in the last 12 months for more than 6 periods;

4. There is a record that a single loan has been overdue for more than 6 consecutive periods or accumulated overdue for more than 10 periods in the past 24 months;

5. The cumulative overdue record of a single loan exceeds 24 periods;

6. Due to bad credit.

As long as the above reasons do not exist, the loan success rate is very high.

How long does it take to approve housing provident fund loans?

It generally takes 2~3 months to complete the approval of the provident fund, and the housing provident fund loan rules require that the loan should not exceed 3 months. Time course of provident fund loan: 1. If there is no need for reconsideration, it usually takes about half a month to approve the provident fund loan after submitting the materials. 2. After the approval, it is necessary to handle the transfer, and the loan will be released about 7~ 10 days after the transfer formalities are completed.

legal ground

Regulations on the administration of housing provident fund

Under any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul the owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How long does it take for the housing provident fund to lend in different places?

Provident fund loan interest rate 1-5 years 4.59%, 6-30 years 5.04%. The maximum amount of provident fund loans was adjusted from 400,000 to 600,000 in July this year 1. The longest loan period is 30 years. If you have paid the housing provident fund in full for more than 6 months (inclusive), you can apply for the housing provident fund personal housing loan. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place. I hope it will be helpful for you to ask how long it will take for the housing provident fund loan in different places.

How long does it usually take to review the loan of provident fund in different places before lending?

About 20 to 25 working days. It takes about 20 days from submitting the application to the next paragraph. The employee himself or his client applies to the municipal provident fund deposit center. The urban provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled. "Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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.

So much for the introduction of how long the loan period of off-site provident fund is.