No, you can use the housing provident fund loan to buy a house.
Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans and truthfully provide the following information:
Proof of deposit of housing provident fund of the applicant and spouse;
Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;
Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
Valid documents such as purchase contract and agreement;
Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
The provident fund center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract;
Other information required by the provident fund center.
Second, how long does it take CCB to buy a car with a housing provident fund loan?
Housing provident fund can't borrow money to buy a car, but it can't be approved.
3. How long will it take for CCB to lend money after the car loan is approved?
How long does it take for China Construction Bank to buy a car with a loan after approval? The basic process of applying for car purchase by installment with Longka credit card is as follows: ① The customer first selects the car at the dealer, tests it, and negotiates with the dealer to determine the car purchase price; (2) Show your credit card and ID card, and fill in the installment payment application form; (3) Distributor submits customer application materials to CCB; (4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities; ⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car; ⑥ Repay by monthly installments through Longka credit card. After submitting the information, you need some time to pay the down payment. After the down payment is completed, it will take some time for the credit card exclusive quota to arrive. As far as I know, it will take about two weeks. Because there are many loans to buy a car now, the bank's monthly loan amount is not enough, so the loan time will be slightly two days later. If the exclusive quota is in place, I will inform you by SMS. After receiving the text message, you can take your credit card to the 4S store and swipe your card to take the car home.
How long does it take from the approval of the loan from the Bank of China to the loan? It depends on which bank you apply for the loan, but if you submit complete application materials, most of the time it will be the same. Approval takes about 15 working days, and everyone's situation is different because it involves evaluation and other links. For the loan time, it is recommended that you directly contact the loan customer or the manager's handling outlet for confirmation. After all the information is submitted to the bank, the bank's risk control will call back. Call back is usually the company's landline. Please pay attention to receiving, don't worry.
How long does it take to approve and issue bank loans? To apply for personal commercial loans in China Bank, you can visit China Bank, Mobile Banking, Online Banking and Weizhong Bank to check the loan approval progress in my name. You can also contact the loan handling bank directly to understand the progress of loan approval. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. China Bank Online Customer Service:: 95566.boc./ZIM/ Mobile Banking Download:: Bank of China. /EBanking/Service/CS 1/20 1009/t 20 10092 1 _ 165438。 Regional setting =zh
2. Prepare relevant loan materials, such as loan contract and ID card. After obtaining the prepayment permission from the bank;
3. Go to the accounting counter designated by the bank for prepayment;
4. After paying off the CCB car loan, everyone still needs to go to the vehicle management office to cancel the mortgage.
How long does it take for the bank to issue car loans after the loan procedures are completed? The installment review procedure of bank car loans and credit cards is relatively complicated, which usually takes five working days or a week, and the requirements for the lender's occupation, income and credit are relatively high. Loan car purchase process; Consultation → Deciding to buy → Preparing materials, filling out forms → Submitting materials → Preliminary examination → Submitting to the bank for approval → Paying down payment → Selecting a car → Signing a car purchase contract → Picking up the car → Handling relevant formalities → Driving home → Repaying monthly.
There are many factors that determine how long it will take to release the loan after it is approved. First, according to the bank's capital flow, the time under each bank program is different. So there are no specific rules. One day at the earliest, and within one week if it is late.
How long can the decoration loan of China Construction Bank be released? If the complete application materials for China Merchants Bank loan are submitted, the approval time will be about 15 working days, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.
How long does it usually take for a bank loan to buy a car? Consumers choose different ways of car loans. At present, there are three common ways of car loan: bank car loan, credit card installment and car finance loan, and the procedures of different car loan methods will be different.
The review procedure of bank car loan is complicated, which usually takes five working days or a week, and it requires higher requirements for the lender's occupation, income and credit.
Bank loans need to prepare four types of information:
Personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
Provide proof of stable income source: bank flow sheet, labor contract, etc.
Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other related certificates;
Other information required by the bank.
How long can the construction bank's provident fund loan be released? It takes 18- 19 working days from the time when the borrower applies for a housing provident fund loan from the loan bank with relevant information. Among them: ① loan application (fill in the housing provident fund loan application form) is completed on the same day; (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, which will be completed 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 procedures and complete them within 7 working days; Where a 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, which will be completed 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.
How long does it take for the Postal Savings Bank to approve the loan? It takes about a month for the Postal Savings Bank to approve the loan. Bank loan requirements: at least 18 years old, with full capacity for civil conduct; Permanent residence of urban residents or legal and valid identity certificate; Lender 18-60 years old; Have a stable legal income and the ability to repay interest; Other conditions required by the lending bank.
4. How long will it take for CCB to issue provident fund loans after completing household loans?
Generally, it takes 20 to 25 working days for CCB provident fund loans to be released.
Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
Housing provident fund handling conditions:
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.