If the personal housing provident fund loan business is handled in Shenzhen China Bank, the loan handling process is as follows: step 1: the applicant and * * * directly make an appointment with the applicant at the bank's business outlets or online (fill in the information in the "Advance Loan Business" and make an appointment for the time and place). Step 2: Submit the application materials at the bank's business outlets or the reception counter of the management department according to the appointment time. Step 3: Approval by the Provident Fund Center. Step 4: Sign a loan contract with a commercial bank after approval. Step 5: The bank handles the relevant loan procedures. Step 6: The bank issues loans. Step 7: The borrower receives the information and completes the business. As different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the provident fund loan business outlets or local authorities for details.

The above contents are for your reference. Please refer to the actual business regulations.

Flow chart of bank loan for purchasing second-hand houses

Second-hand housing bank loan process:

1. Apply for a loan from the bank and submit the loan information;

2. Housing evaluation;

3. Bank approval;

4. Pay the down payment and handle the transfer;

5. The buyer handles mortgage registration, insurance and other formalities, and obtains a bank loan.

Second-hand housing loans are generally determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors.

Term of the loan: generally within 20 years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.

Extended data:

When handling second-hand housing loans, buyers and sellers bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The bank staff will make a preliminary evaluation of the qualifications and loan materials of the lender and give the approximate loan amount and term.

After the first trial is passed, the bank will contact the designated housing evaluation agency to inspect and evaluate the house. The real estate appraisal institution issues an appraisal report to the bank, and the bank approves the loan amount and term according to the appraisal price of the house and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. Generally, the transfer can be completed on the same day, and the buyer can get the real estate license after waiting for about 20 working days.

After obtaining the real estate license, apply for mortgage registration and insurance. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer begins to repay the principal and interest on schedule as agreed in the contract.