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 municipal 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 procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance formalities and complete them within 7 working days; If the pledge guarantee is selected, the bank shall go through the pledge formalities. The loan bank will submit the borrower's information to the municipal housing provident fund and settle it within 2 working days. All landowners city housing provident fund management center approval of loan materials, 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.
2. The annual interest rate of provident fund loans is 1-5 years, 4.59%, and 6-30 years, 5.04%. In July this year 1 the maximum amount of provident fund loans was adjusted from 400,000 to 600,000. The longest loan period is 30 years.