Provident fund loans do not require local household registration. As long as a house purchase contract can be signed, non-local residents can also use provident fund loans to buy houses. There is no difference in terms of loans for employees’ household registrations. In addition, there are provident fund loans in other places. You only need to apply for provident fund loans in other places at the provident fund centers in the two places, and there are no household registration restrictions.

Nowadays, it usually takes 18-19 working days to apply for a housing provident fund loan from the bank until the loan is transferred to the lending bank.

1. The loan application (fill in the housing provident fund loan application form) is completed on the same day;

2. The bank will conduct a pre-loan review and submit it to the Municipal Housing Provident Fund Management Center for review after approval, 2 tasks Completed within days.

3. The Municipal Housing Provident Fund Management Center will review the loan and complete it within 1 working day.

4. After passing the review, the lending bank and the borrower will sign a loan contract, which will be completed within 2 working days.

5. If you choose a guarantee guarantee, the guarantee company will handle the counter-guarantee mortgage procedures, which will be completed within 6 working days; if you choose a mortgage guarantee, the borrower should handle the mortgage insurance procedures, which will be completed within 7 working days; If you choose pledge guarantee, the bank will handle the pledge procedures.

6. The lending bank will submit the borrower’s information to the Municipal Housing Provident Fund, which will be completed within 2 working days.

7. The Municipal Housing Provident Fund Management Center will review and approve the loan materials and complete it within 3 working days.

8. The borrower goes to the lending bank to handle the transfer procedures, which is completed within 1 working day.