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3. How long does it take to approve the housing provident fund?

It takes 18 ~ 19 working days to approve the provident fund loan. For the applicant, what he needs to do well is to fill out the application form in advance so as not to delay time, and then submit the loan application after filling it out on the same day. The next step is the work that the bank is responsible for. Generally, it is reviewed first and then reported to the management center for re-review.

1. How long does it take to approve the provident fund loan? It takes 18 ~ 19 working days to approve provident fund loans. Generally, it takes 18- 19 working days from the bank applying for housing provident fund loans to the lending bank. (1) Complete the loan application on the same day (fill in the housing provident fund loan application form). (2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days. (3) The housing provident fund management center will review the loan and complete it within 1 working day. (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's information to the municipal housing provident fund, which will be completed within 2 working days. (7) The examination and approval of loan materials by the municipal housing provident fund management center shall be completed within 3 working days. (8) The borrower goes to the loan bank to handle the transfer formalities, which will be completed within 1 working day. Two, housing provident fund loans required materials, the borrower and his spouse's household registration book; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law. Conditions of housing accumulation fund 1 Individuals and their units must continue to pay housing provident fund for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price. Housing accumulation fund processing flow 1, the lender prepares relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations. Many units in contemporary society have to pay housing provident fund for their employees. The deposit and withdrawal amount of housing provident fund can be withdrawn, but certain procedures need to be completed, and some people are anxious because of this, but this time needs to be experienced, usually about 20 working days.