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2. How long does it take for the preliminary examination and review of provident fund loans?

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To apply for housing provident fund at the loan bank, it is necessary to apply for a loan 18- 19 (fill in the housing provident fund loan application form); (2) The bank conducts pre-loan review, and reports it to the city center for review after approval, which will be completed within 2 working days. (3) The municipal housing provident fund management center will review the loan and complete it within 1 working day. (4) After approval, the loan bank signs a loan contract with the borrower, and the guarantee company handles the counter-guarantee mortgage; If mortgage guarantee is selected, the borrower shall go through mortgage insurance procedures; If it is 7, the bank will handle the information of the pledged borrower and submit it 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.

3. How long does it take to approve the mortgage loan?

After the mortgage enters the approval process, it usually takes about two or three weeks to issue the approval results. At that time, the bank will immediately notify whether the approval is passed or not.

After receiving the approval notice, you must go to the bank outlet to sign the loan contract and go through the mortgage registration and other related procedures within the agreed time. This session takes about three to five working days. After that, the bank will enter the lending process, and generally release the loan funds in place within one or two months.

We should note that if the mortgage business happens to be busy and the loan amount is tight, the approval and lending may be delayed. If the mortgage can be approved in two or three months under normal circumstances, if something is delayed, I am afraid it will take three or five months, and even the mortgage has not been approved for more than half a year.

In this regard, it is recommended to wait patiently. If the waiting time is too long and the real estate developer has not received the remaining house payment, he can contact the bank to inquire about the specific situation. If the bank can't handle the mortgage loan, he can only change to another bank.

If it is not because of overdue illegal households, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you are not clear, you can check it in Beijian. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

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Will the mortgage be approved again after it is approved?

Mortgage loan approval is divided into pre-approval and formal approval. Pre-approval can only show that the user meets the conditions of mortgage application. At this time, the second audit will determine whether the user's mortgage application can be successful.

The bank will comprehensively evaluate the credit qualification conditions of users, and the specific audit results will be subject to the results notified by the bank. After the user's mortgage loan is approved, the user needs to sign the mortgage loan contract with the bank in person. If the review fails, the bank will return the user's mortgage application materials.