Bank staff approval.

1. Qualification examination of house purchase. It takes 10 working days to review the qualification of purchasing houses with provident fund loans, and at the same time, it takes 3 working days to verify the houses. If there is a mortgage, it needs to be released during this period;

2. Online signing and real estate appraisal online signing need 1 working day, and the appraisal is submitted at the same time. Sunrise results of 5~7 jobs in real estate assessment;

3. It takes 5-8 working days to complete the interview and preliminary examination of the provident fund loan application, and 5-8 working days if the materials to be provided are inconsistent or other circumstances need to be proved;

4. Sign the loan contract. The provident fund management center signs the loan contract 1 working day;

5. It takes 5 working days for the mortgage buyer and seller to go through the formalities of tax, transfer, etc., and the borrower issues other rights certificates with the new house as collateral;

6. Wait for the loan after all the above processes are completed, and wait for the loan 10- 15 working days. Generally speaking, it takes 6-8 weeks to complete the provident fund loan, that is, 1-2 months. However, in areas where the amount of provident fund is tight, the loan processing cycle may be longer, and the approval time in different cities will be different. Please consult your local provident fund center for details.

Second, how long does it take to pay the provident fund to get a loan?

How long does it take to pay the provident fund to get a loan? First, it depends. If it is paid in the unit, eligible people need to pay in full, that is, they can use the housing provident fund loan to buy a house. However, individuals who have paid the housing provident fund can use it in the future.

It is also very important that housing provident fund loans also need corresponding conditions. In the housing provident fund management center system, you must first deposit enough housing provident fund or valid residence status. To buy a self-occupied housing provident fund loan here, you must have a stable occupation and income, and you can prove to others that you have the ability to repay the principal and interest of the loan. Finally, it is necessary for the applicant to apply for a loan on time and in full.

When handling personal housing provident fund loans, you must also have relevant documents to prove the purchase of housing. For example, if you have passed the examination and approval of the higher-level housing management agency, you must also provide some guarantee methods agreed by the trustee. The guarantee method can be selected separately. Other conditions specified by customers must also be met. These conditions can be stipulated in the contract.

Provident fund loan

1, the amount and repayment period of provident fund loans, provident fund loans and commercial loans can be compared, provident fund loans not only have short repayment time, but also have much less repayment interest.

2. Provident fund loans. If you use provident fund loans to buy a house, the repayment method of the bank will be more convenient and flexible than commercial loans to buy a house, but the premise is that the low repayment amount stipulated by the bank allows the borrower to borrow conveniently according to his repayment plan.

3. For the prepayment of provident fund mortgage loan, the borrower can prepay with interest without paying any penalty.

4. Provident fund loans have fewer restrictions on purchased houses. At present, major commercial banks are not good at the location of real estate, and it is difficult for second-hand houses with poor liquidity to apply for housing loans in banks.

5. However, for the provident fund loan to buy a house, the bank has relatively few restrictions on the age of second-hand houses. Second-hand housing age and housing loan life add up to less than 50 years, you can apply for provident fund mortgage loans.

Legal basis:

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the family wage income.

Withdraw employee housing provident fund account according to item (2) of the preceding paragraph.

3. How long does it take for the provident fund loan?

1. Provident fund loan 1 How long does it take? It takes 20 to 25 working days to complete the provident fund loan. Generally, it takes 18 to 19 working days from the time when a bank applies for a housing provident fund loan from a lending bank. 2. Legal basis: Article 16 of the Regulations on the Management of Housing Provident Fund, the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. Second, what are the conditions for withdrawing the provident fund? 1, purchase, build, decorate and overhaul owner-occupied housing. Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house; 2. Retired workers; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the house purchase loan; 6, the rent exceeds the prescribed proportion of family wage income; 7. The employee dies or is declared dead.

4. How long does it take for the provident fund loan?

The latest provident fund management process description time 1 signing the sales contract 2 consulting, submitting the materials required for the loan 3. Deposit the down payment and provide the down payment certificate 4. Personal credit evaluation verifies the borrower's provident fund status 1 working day. The collateral assessment report will be issued about 5 working days after the collateral assessment is completed. 5. The brokerage company in the first instance will make an appointment for the buyers and sellers to go to the provident fund management center for six face-to-face interviews on the same day. After the first trial, the brokerage company will ask the buyers to sign the loan contract in the provident fund management center for about 5 working days, and then wait for the notice of the provident fund guarantee center to guarantee and sign the loan contract. transfer