1. How long does it take to approve the Beijing Provident Fund loan?
It takes 18 ~ 19 working days to approve provident fund loans. Generally, it takes 18- 19 working days from the bank applying for housing provident fund loans to the lending bank.
(1) Complete the loan application on the same day (fill in the housing provident fund loan application form);
(2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days.
(3) The 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, which will be completed within 2 working days.
(5) If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage formalities, which shall be completed within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.
(6) The loan bank will submit the borrower's information to the municipal housing provident fund, which will be completed within 2 working days.
(7) The examination and approval of loan materials by the municipal housing provident fund management center shall be 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.
Two, housing provident fund loans required materials
(1) the household registration book of the borrower and its spouse;
(2) Resident identity cards of borrowers and their spouses;
(3) Proof of the marital status of the borrower;
(4) proof of down payment for house purchase;
(5) the credit status report of the borrower and his spouse printed by the bank;
(6) Housing sales contracts or agreements that meet the legal requirements.