The face-to-face signing of the provident fund may not be considered as passing. Subsequent lending banks can conduct personal credit inquiry again, and decide whether to issue loans after approval. When making a loan, an individual must maintain a good credit and have a good repayment ability before the bank can pass your provident fund loan application.

: What are the reasons for the rejection of provident fund loans?

If you or your wife have the following questions, then they will be rejected.

1. Are there any outstanding provident fund loans or commercial loans? There is no doubt about it. The primary demand for provident fund loans is to ensure that they are just needed. For users who still buy the second suite and the mortgage is not settled, they generally disagree with the provident fund loan. Some areas only review provident fund loans, but most cities basically review provident fund loans and commercial loans at the same time. If any loan is not paid off, you will not be able to apply for provident fund loans;

There is something wrong with your personal credit. For users who have already bought a house, this is basically a check before buying a house. However, for many first-time buyers, they may often forget to check their credit information before signing the contract and paying the deposit. If this situation leads to breach of contract, the responsibility lies with you, and the deposit may not be recovered;

3, housing provident fund payment, for big cities, provident fund payment is also very serious, some cities for five consecutive years, some for two or three consecutive years, if you plan to quit. The social security provident fund in the middle must be well connected, otherwise it will affect your subsequent provident fund loan problem;

4. Repayment exceeds the specified time. Although the cost of provident fund loans is relatively low, the problem of timely repayment is urgent. For those who can't repay on time, they can apply for provident fund loans normally after eliminating the impact;

5. There has been illegal withdrawal of provident fund, and it is punishable to falsify information to withdraw provident fund. If the gesture is found illegal, it will be fined 10%-50% of the proceeds. This kind of violation will also be recorded in the credit file. It will take several years to eliminate the influence. Some areas may not be so strict, but forged materials or reasons are not allowed to withdraw the provident fund.

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How many times do buyers and sellers need to be present at the face-to-face signing of provident fund loans?

The face-to-face signing of provident fund loans requires buyers and sellers to be present for 2 or 3 times. To buy a house with a provident fund loan, the borrower needs to walk 2-3 times. The first time is to submit a mortgage application and submit materials. The second time is to go to the face-to-face signing, and the last time is to determine the time and method of mortgage repayment after the mortgage is passed, and then sign the mortgage contract.

Is it difficult to sign the provident fund loan face-to-face

Is it difficult to sign the provident fund loan face-to-face

Face-to-face approval of provident fund loans is not difficult. The provident fund center has conducted a preliminary review of the lender's qualifications before notifying the lender to sign the face-to-face. Only qualified people will be informed to sign in person. Generally speaking, as long as there is no problem with the qualifications of the lender, there will be no accidents in face-to-face signing.

During the interview, the provident fund center will review the qualifications of the lender again and inform the lender of some key points. Lenders need to sign loan contracts and related documents. After all the formalities are completed, the provident fund center will submit the information to the real estate and handle the mortgage at the registration center. After the mortgage is completed, you can wait for the loan.

In addition, when signing face-to-face, if there is a problem with the lender's qualification, the provident fund center will generally point it out in person. If the problem is not pointed out, all businesses will be handled according to the process, which means that the lender's loan application will basically not have an accident.

Do you need to sign a loan voucher for provident fund loans?

Provident fund loans need to sign loan vouchers. Under normal circumstances, if the payment of provident fund is suspended before the loan, it will have an impact. If it is approved, it is no problem to terminate the payment of provident fund, and it will not be rejected because of the loan suspension.

Provident fund loans, after the documents are issued, wait for the final review of provident fund. Generally, the final review takes 65,438+0.5 months, and the loan will be made after the final review. Nanjing provident fund loan takes about 2 months; For example, it takes about 30-45 days to approve the application for provident fund loans in Jiangsu Province, and it takes about 2-3 months for the next payment after delivery.

How long can the loan be released after the face-to-face signing of the provident fund

After the provident fund is signed, if there is no abnormality, 15 working days to release the loan. Of course, it depends on the specific arrival time of the bank loan. The provident fund requires the lender to provide all the raw materials needed for the loan to apply to the housing provident fund management office. If there is no problem with the credit report and the materials are true, the interview can generally pass smoothly.

How long can the loan be released after the face-to-face signing of the provident fund

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Together, it generally takes 15 working days to release provident fund loans after face-to-face signing.

However, it should be noted that different banks have different regulations and different approval processes, so the lending speed will be different, and the specific situation needs to be subject to bank regulations.

Matters needing attention in face-to-face signing of provident fund loans:

1. Never withdraw the balance of the provident fund at will.

At present, the amount of provident fund loans in most areas is related to the balance of provident fund accounts. If the balance of the borrower's provident fund account is low or even no balance before the face-to-face signing, it will easily lead to the rejection of the application, so it is best not to withdraw the balance of the provident fund account at will.

2. Never overdue.

Provident fund loans have strict requirements for borrowers' credit information, not only can there be no obvious overdue stains at present, but also the number of inquiries in the last six months can not be many.

Never apply for other loans.

Provident fund loans are equally important for borrowers' repayment ability. Borrowers should never apply for other loans at will before signing the provident fund in person, which will lead to an increase in their debt ratio and a new credit record in the credit investigation. If there is overdue, it is easy to lead to loan rejection.

4. Never be late or miss the information.

During the face-to-face signing of the provident fund, it is also very important for the borrower to be punctual and bring the relevant information needed for the signing, so as to leave a good impression on the staff.

Although the interest rate of provident fund loans is low, the amount is relatively limited and cannot exceed the local maximum amount. It is best for everyone to apply for the maximum amount. For example, the local maximum amount is 700,000, so try to apply for the amount of 700,000. If the amount is not enough to buy a house, you can increase the down payment ratio or apply for a portfolio loan.

The introduction of provident fund loan face-to-face signing and provident fund loan face-to-face signing is over. I wonder if you found the information you need from it?