It usually takes about two weeks to disburse the housing provident fund loan.

Housing provident fund loans refer to local housing provident fund management centers using the housing provident funds paid by employees and their units, and entrusting commercial banks to provide housing provident funds to current employees who have paid housing provident funds and to employees who have paid housing provident funds during their employment. Home mortgage loans issued to retired employees.

The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid by the employee's unit for employees are personal savings saved by employees in accordance with regulations and specifically used for housing consumption expenditures, and belong to the individual employees. When an employee retires, the principal and interest balance will be paid in one lump sum and returned to the employee himself.

The specific process of buying a second-hand house loan is as follows:

1. Look at the house and sign the house purchase contract: The first step in buying a house is to look at the house selection. Even if you buy a house with a loan, you need to go through this step. After the buyer has taken a fancy to the house he wants to buy, the next step is for the buyer and seller to negotiate the price. Once the negotiation is completed, the house purchase contract can be signed, and then the loan process begins.

2. Conduct real estate appraisal: Second-hand houses purchased with loans need to undergo real estate appraisal. Second-hand house property appraisal is a very important step. The main purpose of evaluating second-hand houses is to determine the down payment that buyers need to pay. Normally In this case, you need to find an appraisal company for real estate appraisal, and this process takes about 5 to 7 working days.

3. Apply for a loan from the bank: After the second-hand house evaluation, the home buyer needs to apply for a loan. There are several ways to get a second-hand house loan, including provident fund loans or commercial loans. However, if you want to go to the bank to apply for a second-hand house If you want a home loan, both the buyer and the seller must go to the site and bring all the information. When buying a house, you should bring personal information. When selling a house, in addition to personal information, you must also bring relevant real estate information and fill out the second-hand house loan application form. In the future, the bank will contact the designated real estate appraisal agency to conduct a home inspection and appraisal.

4. Bank review: After submitting the loan application, the home buyer needs to wait for bank review. When the home buyer submits the funds to the bank, the bank will review the information submitted by the home buyer. Generally speaking, The bank calculates the loan amount based on the evaluation value of the evaluation agency. Of course, the premise must be that the bank has reviewed your loan qualifications and will only pass if you meet the conditions.

5. Submit a transfer application: After the loan application is received, if the home buyer has paid the down payment, he or she needs to submit a transfer application. To handle the transfer, both the buyer and the seller need to be present at the same time. The buyer and seller need to apply to the real estate management department with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents. At the same time, they must declare the transaction price and obtain the acceptance form.

6. Apply for the real estate certificate: Before applying for the real estate certificate, the home buyer also needs to pay relevant taxes and fees. After paying the real estate taxes and fees, both parties can start to apply for the real estate certificate. The real estate management department will provide the buyer with A new house title certificate will be issued, but both parties should go to the real estate management department to obtain the real estate title certificate according to the transfer procedures.

To sum up, it generally takes about two weeks to complete the housing mortgage loan disbursement of provident fund loans.

Legal basis:

Article 26 of the "Regulations on the Administration of Housing Provident Fund"

Employees who contribute to the housing provident fund shall not When you live in your own house, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.