1, house purchase qualification review

It takes 10 working days for the second-hand housing provident fund loan to review the qualification of buying a house, and it takes 3 working days for the house to be verified. If there is a mortgage, it needs to be lifted during this period;

2. Online signing and real estate appraisal

It takes 1 working day to sign the second-hand house online, and submit the evaluation at the same time. real estate assessment will get the result in 5~7 working days;

3, interview and preliminary examination

It takes 5~8 working days to complete the face-to-face signing and preliminary examination of the application for second-hand housing provident fund loans, and 5~8 working days to provide inconsistent materials or other circumstances that need to be proved;

4. Sign a loan contract

Provident fund management center signs loan contract 1 working day;

Step 5 apply for a mortgage loan

It takes five working days for the buyer and the seller to pay taxes and transfer ownership, and the borrower takes the new house as collateral and issues a certificate of other rights;

Step 6 wait for a loan

After all the above processes are completed, wait for the loan 10- 15 working days.

Through the above introduction, it takes 6~8 weeks to complete the second-hand housing provident fund loan, that is, 1-2 months. For areas where the amount of provident fund is tight, the loan processing cycle may be longer, and the approval time in different cities will be different. Please consult your local provident fund center for details.