It's okay. Generally speaking, there are three reasons why the provident fund loan has not been released for more than three months, namely: when the quota of the provident fund center is tight, there is no quota for the time being;

The applicant has incomplete information or has not gone through the formalities of provident fund loan. In this case, loans are generally not issued; If the housing information is incorrect, the housing provident fund will verify the housing information, thus delaying the loan. You can consult the local provident fund management center for details.

2. What are the reasons for not lending 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.

The approval process for provident fund loans is 1. Workers 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, full capacity for civil conduct, 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.

Three. Reasons for not lending after the approval of 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 in 1

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 are not allocated to the balance of the provident fund of the bank or the provident fund center.

What is the bank loan approval process?

1. The agency shall write a report and submit it.

Generally speaking, after the lender submits the loan application to the bank, the bank will not immediately approve the loan, because in addition to the customer information of the bank, it is also necessary to inquire and print the information system of the executed person, and after sorting out the personal detailed credit report and personal risk assessment, it will write a report and submit it to the auditor for review-the signature of the person in charge of the operating institution-the branch will grant credit.

2. Review by the credit review department.

After the bank credit review department submits the materials, it will review them according to its own situation. In case of any doubt or omission, the operating organization shall supplement the materials and return them to the operating organization. After the relevant staff review the loan information of the lender, the auditor will issue an audit opinion and submit it to the person in charge of the audit department for review. The fastest review time is about one day, and the slowest is about two months.

3. recognition.

The staff of the credit review department will continue to pass directly after seeing it and rarely refuse it. The approval time is generally about three days.

4. Loan.

When the competent leader is in charge of examination and approval, the examination and approval department may issue a notice of examination and approval opinions and submit the materials to the operating organization. At this time, the account manager can take the materials to the loan center to apply for loan.

You can only apply for a mortgage at a designated place.

First of all, this is not absolute. But most of them are applicable. There are two reasons: as a bank, buyers go to the bank to apply.

If the buyer's credit history does not withdraw funds, it may help you clear it, and it will also reduce the possibility of down payment or interest rate fluctuation. Of course, if the property buyers are qualified or good, they can also choose other banks.

For more information on the approval of provident fund, you can pay attention to the construction industry and share more dry goods.

4. What are the reasons why the provident fund loan has been approved but has not been released so far?

Approval and lending are a complete process. It should be impossible to modify the total loan amount. I suggest you call your service bank directly.