1, provident fund loan process 1. Lenders need to submit a written application to the bank and fill in the application form for housing provident fund loan.

2, need to carry, the applicant and spouse housing provident fund deposit certificate; Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status; Proof of stable family income and other valid documents such as purchase contracts and agreements that have an impact on repayment ability; Collateral used for guarantee, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and collateral evaluation certificate issued by relevant departments.

3. For the loan application with complete information, the bank will accept the review in time and submit it to the local provident fund center in time; The local provident fund center is responsible for approving loans and informing the bank of the approval results in time.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is mortgaged, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

6. General lending time of provident fund loans: If it is a provident fund loan (without reconsideration), it will take 7 days to be approved after submitting the information. After approval, how long does it usually take to lend money? Transfer transaction is required after approval, and the loan will be released about 7~ 10 days after the transfer transaction is completed.