Usually about 1 month. Provident Fund loan application process:

1. When applying for a housing provident fund loan, a lender must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(1) Application Proof of housing provident fund payment for the applicant and his/her spouse;

(2) Identity certificate of the applicant and spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), and proof of marital status

(3) Proof of stable economic income of the family and other proofs of claims and debts that have an impact on repayment ability;

(4) Valid supporting documents such as contracts and agreements for purchasing a house;

(5) Collateral used for security, list of pledges, ownership certificate, proof of the consent of the person with disposal rights to mortgage and pledge, and collateral valuation certificate issued by the relevant department;

(6) Provident fund The center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor must sign a three-party contract.

(7) Other information required by the Provident Fund Center.

2. For loan applications with complete information, banks will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

3. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner.

4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. , the provident fund center will allocate the entrusted loan fund after approval, and the entrusted bank will issue the loan in full and on time according to the loan contract.

5. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the real estate mortgage registration procedures. If the mortgage contract or agreement is signed by both husband and wife, and the mortgage is pledged with securities, The borrower will hand over the securities to the management department or alliance center for safekeeping.

Extended information:

Notes on provident fund loans to buy a house:

1. Couple loans of provident fund loans: If a couple takes a loan to buy a house, it does not matter whether it is before marriage or As long as one of the couple has applied for a provident fund loan after marriage, there will be a corresponding record on the core provident fund system. Before the last loan is repaid, the couple cannot use the provident fund loan to buy a second house.

2. Provident Fund Loan for the Second House: If the borrower uses the Provident Fund loan to buy a house, he or she has used it to purchase the first house. The Provident Fund loan cannot be applied for again to purchase the second house before the Provident Fund loan has been repaid. Provident fund loans can only be used after paying off the previous housing loan. At the same time, it will not be considered as the second home and will still be regarded as the first home according to its policies.

3. Do not use provident funds before applying for a loan. If the borrower withdraws the provident fund balance before the loan is used to pay for the house, the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means that you will not be able to apply for a provident fund loan. .

4. Do not repay in advance within the first year of borrowing. According to the relevant provisions of provident fund loans, partial early repayment should be made after one year of loan repayment, and the amount you repay should exceed 6 months' repayment amount.

5. If you have difficulty repaying your loan, don’t forget to find a bank near you. When your repayment ability decreases during the loan period and you have difficulty repaying the loan, don't hold on to yourself. ICBC customers can apply to ICBC to extend the loan period. If it is found true after the bank's investigation and the loan principal and interest are not in arrears, ICBC will accept your application to extend the loan period.

6. Don’t forget to notify your obligation when renting out a house after taking out a loan. When you rent out a mortgaged property during the loan period, you must notify the tenant in writing of the fact that it is mortgaged.

7. Don’t forget to cancel the mortgage after the loan is paid off. After you have paid off all the loan principal and interest, you can go to the real estate transaction center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other certificates of real estate rights of the mortgaged property.

8. Don’t lose the loan contract and IOU. When applying for a mortgage loan, the loan contract and IOU signed between the bank and you are important legal documents. Since the loan term can be up to 30 years, as a borrower, you should keep your contract and IOU properly.

Reference materials:

Shanghai Housing Provident Fund Network - Information required for pure provident fund loans