1. The real estate agent failed to send the commercial housing sales record form to the bank in time;

2. The next payment registration book of the Provident Fund Center has not been submitted to the bank (generally within 15 working days);

3. The funds of the provident fund center have not been transferred to the bank that provides loans to users;

4. The balance of the provident fund in the provident fund center is insufficient.

The above is the relevant content of the reasons for not lending after the approval of the provident fund.

How long will it take for the provident fund loan to be rejected?

If the provident fund loan fails, the individual will be notified immediately. How long after the application depends on whether the application is for state-managed provident fund or municipal-managed provident fund. General municipal management is faster than national management, and the time is generally 15 to 25 working days.

Generally, it takes ten days to three weeks to approve the provident fund, and whether it is approved or not will be notified. If it is not passed, the reconsideration must prepare materials, unless it is impossible to provide proof of non-payment. Generally, it can be passed, and the loan contract will be notified after it is passed. When applying for provident fund loans, you must ensure that the information submitted is complete, true and effective. Never resort to deceit in order to improve the pass rate of loan application. Otherwise, once discovered, it will often be more difficult to apply for provident fund loans in the future. If the circumstances are serious, they may be blacklisted by banks and become users who refuse to come and go.

When will the provident fund loan be released at the latest?

There is no fixed time for the next installment of provident fund loans, usually 1 to March. It often takes such a long time because the provident fund loan needs to pass the examination, and the examination needs to check the raw materials and specific conditions provided by the applicant. If the approved provident fund loans are generally within 7 to 15 days, they can be issued normally.

If the application materials submitted by the applicant are complete and true, the review time will be greatly reduced. The review results will be available in about 15 working days, and then the payment will be made as soon as possible, so the provident fund loan will be successful in less than one month, and it may take several months if it is slow. If you want individuals to apply for provident fund loans, you can provide real materials, submit the required materials at one time, safeguard your personal reputation, and provide strong proof of repayment ability. Before preparing to apply for provident fund loans, users can make corresponding preparations. This article is mainly about the knowledge points about the reasons for not lending money after the approval of provident fund, and the content is for reference only.

What are the reasons for not lending money after the approval of the provident fund?

1. The developer failed to send the commercial housing sales record form to the bank in time.

2. The loan list of the provident fund center has not been submitted to the bank (generally within 15 working days).

3. the fund of the provident fund center has not been transferred to the bank that gave you the loan.

4. The funds of the provident fund center have not been distributed to the bank or the balance of the provident fund center is insufficient.

Provident fund loan approval process

1. Employees should prepare personal ID cards, provident fund co-branded cards, purchase contracts, down payment receipts, residence certificates (household registration books or temporary residence permits), income certificates (such as bank accounts and payroll) and other materials to apply for loans from the local housing provident fund management center.

2. After receiving the customer's information, the staff will sort it out and conduct a preliminary review.

3. The staff will report the information provided by the customer to the center for review after the first trial confirms that it is true and perfect.

4. After the audit, the house value will be evaluated and audited.

5. The evaluation report shall be submitted to the Provident Fund Center for re-examination and approval, and the loan amount shall be approved.

6. The interview shall be conducted by the entrusted bank.

7. The bank signs a loan contract with the customer, and after the relevant mortgage procedures are completed, the bank submits all materials to the provident fund center for approval and handles the transfer.

The whole process takes about two or three months, and the customer just waits patiently for the funds to reach the account (the bank usually transfers them to the customer's account first, and then the system transfers them to the seller's account).

Provident fund loan conditions 2022

1, with full capacity for civil conduct and legal and valid identity documents.

2. The housing provident fund has been paid in full and continuously for more than 6 months (inclusive).

3. Have a stable professional and economic income and the ability to repay the principal and interest of the loan on time. The borrower and the borrower's monthly repayment of all debt principal and interest shall not exceed 50% of the monthly legal income of the family. The monthly income of the borrower and * * * the same borrower is based on my housing provident fund deposit base plus the monthly housing provident fund deposit amount; If the borrower fails to pay the housing provident fund, it is required to provide valid income proof and proof materials.

4. Good credit status.

5. The purchase, construction, renovation and overhaul of owner-occupied housing occurred within 2 years before applying for a loan.

6. Pay the down payment according to the specified proportion. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.

7. Mortgaging the purchased (built) houses or providing third-party houses or securities recognized by the Municipal Provident Fund Center as collateral.

8. The borrower and the borrower's provident fund loan have been paid off or have not occurred.

Specific to the city's regulations.

Will the provident fund be released after it is approved?

Nowadays, more and more young people are working in the society and starting to form their own small families. After years of hard work and some money sponsored by parents, many young people are trying to buy a house of their own with the provident fund loan paid by their own units. However, some young friends may not know much about provident fund loans, and they doubt that if the provident fund is approved, they will be able to get the money. The following small series will introduce you.

To buy a house with a provident fund loan, the first condition to be met is that the deposit period of the provident fund must be enough. As long as the provident fund is paid, you can't apply for a loan, but the borrower needs to pay the housing provident fund in full for more than 6 months and there is no termination agreement for the repayment of the housing provident fund.

It is not enough to meet the first condition mentioned above. The provident fund can be withdrawn once a year. Some friends will take out the money in the provident fund account to ease the financial pressure when they are short of money, but once the money in the provident fund account is taken out, it may lead to the rejection of the provident fund loan application.

Third, if you want to buy a second suite with a provident fund loan, and the loan for the first suite is also a provident fund. Then you must pay off the first loan before you can apply for a provident fund loan for the second suite.

Fourth, a friend bought a suite in his hometown, but he had to buy another suite in another place because of job transfer and other reasons. If the property area of the first suite exceeds 144 square meters, then they can't apply for provident fund loans in other places.

Fifth, borrowers must maintain good credit. If the credit report is tainted, the application for provident fund loans will definitely be rejected.

In addition to the above, there are some regulations, and there are many restrictions on provident fund loans. In line with the above requirements, prepare the application for relevant materials. If the provident fund loan application is approved, the loan will generally be released within 7 to 15 days. Usually it will not exceed 15 days at the latest. If it weren't for the end of the year or the epidemic, the lending speed would still be very fast. Moreover, as long as the provident fund loan passes the audit, it will definitely lend money.

The above are some personal views put forward by Bian Xiao on the process of provident fund loan, hoping to help you very well.