First, the process and time limit for handling housing provident fund loans (through selling units and banks)
Step 1: Loan application and review: The undertaking bank accepts the borrower's personal provident fund loan application, reviews the application materials, and inputs relevant information into the provident fund loan management system. The Provident Fund Center will complete the online audit and confirmation within 1 working day, and feed back the audit results.
The second step is to sign the contract and go through the relevant formalities: the borrower who meets the conditions of provident fund loan after examination will be responsible for signing the contract and going through the relevant loan procedures, and then the seller will go through the mortgage registration with the real estate transaction department where the house is located.
Step 3: Approving the transfer of entrusted loan funds: After receiving the mortgaged loan materials, the Provident Fund Center will complete the data verification and transfer of entrusted loan funds within 5 working days.
Step 4: Lending by the bank: After receiving the loan funds allocated by the provident fund center, the undertaking bank will record them in 1-2 working days and transfer them to the account specified in the loan contract.
The process and time limit for the outlets established or entrusted by the provident fund management institution to handle provident fund loans.
The first step is loan application and review: the outlets established or entrusted by the provident fund center accept the borrower's personal provident fund loan application, verify the application materials on the spot and issue an acceptance receipt.
Step 2: Sign the contract and go through the relevant formalities: The borrower of provident fund personal loan will go to the designated place to go through the loan signing and relevant formalities at the time agreed in the acceptance receipt the week after submission.
Step 3: Mortgage registration: With the loan procedures approved by the bank, the borrower goes to the real estate transaction department where the house is located for mortgage registration, either by himself or with the cooperation of the selling unit.
Step 4: Transfer of entrusted loan funds: After receiving the mortgage-related loan information, the Provident Fund Center will complete the data verification and transfer of entrusted loan funds within 5 working days.
Step 5: Lending by the bank: After receiving the loan funds allocated by the provident fund center, the undertaking bank will record them in 1-2 working days and transfer them to the account specified in the loan contract.
(The above answers were published on 2017-01-10. Please refer to the actual situation for the current purchase policy. )
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