1. The borrower can submit a written application for housing provident fund loan and submit relevant materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department and wait for approval;

2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures;

3. The loan contract stipulates that the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;

4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;

5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.

How long does it take for provident fund loans to be released?

If you find an agent, it will be faster. Of course, it will involve agency fees. Generally, it can be done on the same day if it is the fastest. But the mortgage certificate can't be received until the next day by express delivery.

If you handle it yourself, you may need more supervision. After paying off the loan, a settlement certificate is required. You need the bank to take the certificate to the head office to get the mortgage certificate, and then you take these materials to the administrative service hall. When the provident fund loan is settled, it will be withdrawn by the Housing Authority Trading Center. Generally, 10-20 working days or so. According to the size of business volume, the meeting time of urban real estate trading center will be different. You can ask the mortgagor of the provident fund loan center for a receipt number, and make irregular telephone inquiries.

The above is what Bian Xiao shared for you about the process of issuing provident fund loans and mortgages. More information can focus on the construction industry and share more dry goods.

2. What are the application procedures for Dalian provident fund loan application?

1. The borrower fills in the loan application form, and the borrower and his spouse authorize the center to check the credit.

2, the office staff to conduct a preliminary review of the application materials.

3. After accepting the materials, it will be verified to determine the amount and duration of the provident fund loan.

4. If there are no special circumstances, you can reply immediately whether the loan is allowed. If there are special circumstances, the results will generally be given within 2 working days.

5. If a loan is obtained, a loan contract will be signed with the borrower.

3. What is the distribution process of Dalian Provident Fund?

Different types of employees' housing provident fund loans have different procedures for mortgage cancellation, as follows:

A, the ground, municipal workers:

1. After the loan principal and interest are paid off, go to the regional housing provident fund management center to go through the loan formalities every Thursday afternoon with the Loan Settlement Certificate issued by the handling bank;

2. The Provident Fund Center issues a notice of cancellation of mortgage to the borrower and returns the borrower's house ownership certificate. The borrower holds the mortgage cancellation notice and the house ownership certificate to the real estate management department for real estate license.

Second, the county employees:

1. After the principal and interest of the loan are paid off, go through the loan issuance formalities at the local housing provident fund management department with the Loan Settlement Certificate issued by the handling bank;

2, by the county management department will release the mortgage procedures reported to the autonomous region housing provident fund management center after the audit, issued a mortgage cancellation notice to the borrower, and returned to the borrower's housing other warrants;

3. After receiving the mortgage cancellation notice from the housing provident fund management department and other house ownership certificates, the borrower shall go to the local real estate management department to handle the house property certificate.

Materials to be submitted by the mortgagor when handling the cancellation registration of real estate mortgage:

1. Mortgagor ID card;

2, "housing provident fund loan repayment certificate" and "housing provident fund loan cash payment form";

3. Proof of repayment of the loan;

4. Property ownership certificates, other property ownership certificates, property ownership certificates, land use certificates and other relevant certificates;

5. Application for cancellation of registration.

How long will it take to release the mortgage?

1, usually cancelled in 1-2 weeks. If the borrower's property is in the process of mortgage repayment, it can't be used for mortgage loan before the loan is paid off, because the borrower has mortgaged the real estate license to the bank during the mortgage loan process, and the property belongs to the bank before the loan is paid off. Without the title certificate, the borrower can't apply for mortgage registration, so he can't apply for mortgage loan.

2. However, if the borrower has strong repayment ability, stable work income and good personal credit, he can also apply for a credit loan from the bank again. Usually the loan amount is about 5- 10 times of the borrower's monthly income.

4. Does anyone know what the mortgage issuance process of provident fund loans is?

Spread out completely

First go to the bank to go through the relevant procedures, and then go to the construction Committee in the area where the house is located to go through the decompression procedures.