After the housing mortgage certificate is completed, the provident fund loan will generally be released within 15 working days. However, the policies and banking policies of provident fund management centers in different regions are different, and there will be some differences. It is recommended to contact the provident fund management center to determine the time, which is subject to the release time. The borrower may 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 examination and approval, or directly apply to the housing provident fund management department for examination and approval.
How long does it take to complete the housing provident fund loan?
Provident fund loans can generally be approved within 20 days.
Provident fund loans, the staff will generally tell you that it takes ten days, ten working days, that is, twenty days.
First, submit the provident fund with your purchase contract, provident fund card, household registration book and ID card.
The audit usually takes 3 to 5 working days.
After the audit, go to the provident fund, sign a loan contract, and then wait for the loan.
How long does it usually take to apply for a provident fund loan?
It takes about two to three months to apply for a provident fund loan. Personal provident fund loan process is complicated. It usually takes about one or two weeks from the submission of application materials by customers to the acceptance, review and issuance of approval results by the housing provident fund management center. Then entrust the bank to sign a loan contract and go through the relevant procedures such as mortgage and guarantee, which can be completed in about 5 to 7 working days; After that, it usually takes a week or two for the bank to lend money, and it may take about a month or two if it is delayed. It can be seen that it takes about two to three months from the time when a customer applies for a provident fund loan to the time when the loan is approved and received.
How to handle the provident fund loan?
If customers want to apply for provident fund loans, they can directly bring the down payment receipt and personal ID card, local residence certificate (household registration book or temporary residence permit), income certificate such as bank running water, provident fund deposit certificate and other materials to the business hall of the local housing provident fund management center to find the counter staff to apply for loans, and then get the application form to fill in.
After the form is filled out, it will be handed over to the staff together with the information brought. After the staff collates the information, the audit department will conduct an audit according to the information. If it passes the preliminary examination, it will issue a notice of mortgage review and evaluation.
Then the customer goes to the designated appraisal institution, which evaluates the value of the house and issues an appraisal report. Then, the client takes the evaluation report and preliminary examination materials to the housing provident fund management center for final review. After the final review, the housing provident fund management center will issue a notice of entrusted loan investigation.
After that, the customer will go through the guarantee formalities with the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center, sign a loan contract with the entrusted bank, and go through the registration of real estate mortgage. Finally, the entrusted bank lends money.
How long does it usually take for provident fund loans?
The longest is 15 working days. To apply for a new housing provident fund loan, the developer needs to go through the relevant filing procedures of the corresponding loan in the real estate bureau and the provident fund center. Only after successful filing can you apply for provident fund loans. Unrecorded properties cannot apply for provident fund loans. It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.