If you apply for a personal housing provident fund loan in Shenzhen, after the employee has prepared the application materials and submitted them to the business outlets of our center, our center will make a decision on whether to grant the loan within 5 working days from the date of accepting the employee provident fund loan application: 1) If the loan is granted, the employee and the entrusted bank shall go through the loan procedures such as signing and guaranteeing the Housing Provident Fund Loan Contract; 2) If the loan is not granted, our center will clearly inform the employees of the reasons for not granting the loan. Employees can query the approval results through the online service hall-loan approval query module. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
How long does it take for the provident fund loan to be submitted to the bank for approval?
If you apply for personal housing provident fund loan business in China Bank, the time limit for application approval is generally:
The provident fund center shall make a decision on whether to grant the loan within 5 working days from the date of accepting the employee provident fund loan application. Where loans are issued, the employee and the entrusted bank shall go through the formalities of signing housing provident fund loan contracts, guarantees and other loans; If the loan is not approved, employees should be informed of the reasons for not approving the loan.
If an employee disagrees with the decision made by the provident fund center, he may apply to the provident fund center for review within 5 working days from the date of receiving the decision, and the provident fund center shall make a reply within 5 working days from the date of receiving the application for review.
When the loanable funds for provident fund loans is insufficient, the provident fund center will accept employees' applications according to the waiting rules and issue provident fund loans to eligible applicants. Waiting rules shall be formulated separately by the provident fund center and promulgated for implementation after approval by the provident fund management Committee.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What are the procedures for Shenzhen to apply for provident fund loans?
Shenzhen provident fund loan application process
1. The borrower went to the Housing Provident Fund Center for consultation and obtained the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) will go to the Municipal Housing Provident Fund Center for pre-registration and obtain an application form for provident fund loans, including the original property ownership certificate and state-owned land use certificate in the name of the seller, as well as the original household registration book, ID card and marriage certificate.
2. The borrower submits the loan information to the municipal capital center.
3. Acceptance and approval by the Housing Provident Fund Center: The Municipal Housing Provident Fund Center accepts the information of loan applicants, and approves and determines the loan amount and term.
4. Transaction transfer: Both the buyer and the seller of the house go through the transfer procedures of the "two certificates" transaction at the Real Estate Bureau and the Land and Resources Bureau.
5. Signing a contract: The borrower takes the transferred "two certificates" and deed tax payment invoice (original and photocopy) to the Municipal Housing Provident Fund Center, which issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.
6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license.
7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
I hope I can help you.
How long does it take to apply for a housing provident fund loan?
Provident fund loans can generally be approved within 20 days.
When the provident fund handles loans, the staff usually tell you that it takes ten days and ten working days, that is, twenty days.
First, bring your house purchase contract, provident fund card, household registration book and ID card to the provident fund.
The audit usually takes 3 to 5 working days.
After the approval, go to the provident fund, sign a loan contract, and then wait for the loan.
20 16 how long can Shenzhen provident fund loan last? How long will it take to approve?
Many people will plan to buy a house in Shenzhen after working in Shenzhen for a long time, so they will definitely choose provident fund loans to buy a house. After all, they can save a lot of money. Then, how long is the loan period of Shenzhen provident fund loan, and how long can Shenzhen provident fund loan buy a house? How long does it take to approve the Shenzhen provident fund loan?
It is understood that the term of the Shenzhen provident fund loan is in years.
The longest loan period shall not exceed 30 years.
, and the sum of the loan term and the age of the employee (applicant) when applying for the loan shall not exceed 70 years old.
Examination and approval of Shenzhen Provident Fund Center: within 5 working days after the Provident Fund Center receives the loan application submitted by the entrusted bank and the materials are complete.
Processing time: the processing time of the provident fund loan outlets of the entrusted banks shall be implemented according to the regulations of the Bank, and no fees shall be charged for handling provident fund loans.
The down payment ratio of the housing provident fund paid to employees' families who use housing provident fund loans to purchase the first set of ordinary self-occupied housing is 20%. If the housing provident fund is 1 set and the housing provident fund loan has been settled, and if the housing provident fund loan is applied again to purchase ordinary self-occupied housing in order to improve the living conditions, the down payment ratio is 30%.
Amount, Conditions and Process of Shenzhen Provident Fund Loan
Shenzhen provident fund loan amount
(1) The total monthly repayment of loan principal and interest (calculated by the equal principal and interest method) shall not exceed 50% of the applicant's housing provident fund deposit base. The deposit base of the co-applicants participating in the quota calculation can be accumulated;
(2) The amount of the provident fund loan shall not be higher than the difference between the recognized value of the collateral (the lower of the total purchase price and the assessed value) and the down payment;
(3) For individual employees, the maximum amount of provident fund loans for a single house is 500,000 yuan. If the applicant and the co-applicant jointly apply and the co-applicant participates in the quota calculation, the maximum amount of a single housing provident fund loan is 900,000 yuan.
(4) If the applicant or co-applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loan amount calculated according to the balance of each provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.
Shenzhen provident fund loan conditions
(a) with permanent residence in cities and towns or valid residence status, stable occupation and income, good credit, and the ability to repay the loan principal and interest on time.
(two) when applying for loans, individuals and units pay the housing provident fund in full and on time for more than one year (including one year). For retired soldiers and new recruits, when applying for housing provident fund loans, if they have been deposited for more than six months (including six months), the time for housing provident fund deposit may be appropriately relaxed.
(three) the new workers transferred to our city, in the original work unit to pay housing provident fund and transferred to the current work unit, can apply for housing provident fund loans.
(4) If the unit is in arrears with the provident fund for more than three months (including three months), the employees of the unit shall not apply for provident fund loans. If a unit that is in arrears with the provident fund pays the provident fund in full, it can be regarded as continuous payment, and employees of the unit can apply for provident fund loans.
(five) with the approval of the city housing provident fund management center to buy, build, rebuild, overhaul the owner-occupied housing and repay the commercial bank owner-occupied housing loans and related materials.
(six) with the legal guarantee procedures approved by the municipal housing provident fund management center.
(7) Self-raised funds of not less than 30% of the total house price shall be used as the down payment for house purchase.
(eight) the newly purchased owner-occupied housing can apply for housing provident fund loans within one year (including one year) after obtaining the contract period or real estate license.
(9) Second-hand houses are subject to the transaction time of deed tax invoices, and only provident fund loans can be made within one year (including one year).
(10) Employees who have paid housing provident fund in this city, but have never applied for individual housing provident fund loans or have fully repaid the loan principal and interest, and need to buy self-occupied housing in different places, can apply for provident fund loans on the basis of self-occupied housing contracts, invoices, pre-sale building permits and local real estate purchased in different places as collateral.
Shenzhen provident fund loan process
1. Procedures required for the borrower to apply to the handling bank and submit the loan;
2. The handling bank accepts the application and conducts the preliminary examination;
3. After passing the preliminary examination, the handling bank submits a loan application to the provident fund center;
4, provident fund center for approval;
5. After approval, the borrower signs a loan contract with the handling bank and goes through the mortgage registration formalities;
6. After all formalities are completed, the handling bank will issue loans;
7. The borrower repays in full and on time;
8. After the loan is settled, the mortgage registration shall be cancelled.
This is the end of the introduction on how long it takes for Shenzhen provident fund loan approval and Shenzhen provident fund loan approval. I wonder if you have found the information you need?