Hello, the general lending time of provident fund loans is seven working days. Provident fund loan (without reconsideration), after submitting the materials, it needs 7 times of examination and approval. After the approval, how long can the loan be approved before the transfer transaction can be carried out? After the transfer transaction is completed and the property rights are handled, the loan will be released within about 7 ~ 10 days. If bank loans are used to buy and sell real estate through fund supervision, can provident fund loans be directly credited to the fund supervision account after approval? If yes, how many days will it take to get the loan after approval? Whether there is a loan in the original house, the loan will be credited to the fund supervision account first. The loan can be issued about 3 days after the transfer formalities. The withdrawal time of individual housing provident fund is transferred to individual account within 3-5 working days after the completion of handling. Housing provident fund loans shall be handled according to the following procedures: When applying for housing provident fund loans, the borrower shall submit a written application to the Municipal Housing Provident Fund Management Center, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide relevant materials.

1, the municipal housing provident fund management center is responsible for the borrower qualification, guarantor qualification, loan amount, loan term review, contract signing and approval. After signing relevant contracts or agreements with the Center, the borrower shall handle insurance according to the regulations of the People's Bank of China. After the loan procedures are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan transfer procedures after receiving the loan notice. Special reminder: when a borrower buys a house, he will go to the bank to calculate according to his own provident fund repayment amount, and he can know the loan amount and monthly repayment amount. According to the relevant provisions of provident fund management, it is withdrawn once a year.

2. Suppose the customer withdraws 15000 yuan from the provident fund every year, the monthly repayment amount of the provident fund loan is 1500 yuan, and the repayment amount of the commercial loan is 1000 yuan. The repayment method can be "balance loan repayment method", that is, the extracted provident fund returns the principal and interest of housing provident fund loans and commercial loans in the current month (***2500 yuan). The balance12,500 yuan can be used to repay the loan principal of the commodity house in one lump sum. If there is a balance after paying off the principal of commercial housing loans, the principal of provident fund loans should be returned, because the interest rate of commercial loans is higher than that of provident fund loans. After "repayment", the borrower can choose to shorten the original repayment period, or choose to keep the repayment period unchanged and reduce the monthly repayment amount. However, at present, commercial banks have certain restrictions on the number of prepayments for customers. If the customer chooses the repayment method of "equal principal and interest", and the monthly equal repayment amount does not change to 2,500 yuan, the provident fund15,000 yuan will be withdrawn and 2,500 yuan will be deducted every month according to the original deduction method. When the balance is insufficient, the borrower shall timely and fully inject the bank card for repayment. Customers can choose the above two repayment methods according to their actual situation.

3. If the customer applies for commercial loans when purchasing personal housing, such as personal housing mortgage loans, personal housing transfer loans and personal re-trading housing loans. At that time, I didn't apply for a "provident fund" loan for various reasons, but now the personal provident fund deposit has reached the prescribed period and amount, which meets the conditions for applying for a provident fund housing loan. Although commercial banks can't convert commercial loans to provident fund housing loans at present, they can withdraw provident fund to repay the principal and interest of commercial loans. As long as the borrower applies to the provident fund management center and goes through the relevant procedures for withdrawing the provident fund, he can withdraw the provident fund to repay the principal and interest of the individual housing loan.

4. Bank personal housing loan application process: the buyer should sign a pre-sale contract with the developer. Pay more than 30% of the house price. Go to the housing management department for pre-sale registration. After completing the pre-sale registration, the buyer shall fill in the loan application form and loan contract according to the original contract. This is basically the time limit for the provident fund loan process. After handling the provident fund loan, the loan can be released in 7~ 10 days, and the time will not be too long. If you find that you haven't arrived for a long time, you can go to a place where you can handle it and bring your own documents to ask. Under normal circumstances, if the provident fund loan is handled according to the above procedures, it will be released to the account as required.