At present, the pure provident fund loan has been cancelled, and only the combined provident fund loan, that is, part of the business and part of the provident fund, will take about 1 month to be approved, depending on whether the bank has a quota. The next payment process after the provident fund loan is as follows: 1. When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, if he chooses a guarantee center to provide the guarantee, he shall submit all the materials required for personal loan application, including personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc. 2. After the loan application is approved in the first instance, the management department will issue the Notice of Review of Guarantee Application, print the Loan Contract, Mortgage (Counter-guarantee) Contract and other relevant legal documents, and submit all personal loan information to the guarantee center. The third is the guarantee center guarantee.
2. How long does it take to apply for provident fund loans after online signing?
There are two types of provident fund loans:
1, housing provident fund loan. Refers to the housing provident fund management centers around the country using the housing provident fund paid by the employees' units to entrust commercial banks to issue housing mortgage loans to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Simply put, if you buy the provident fund and meet certain conditions, you can use the provident fund loan you paid, with low interest rate and low down payment.
Generally speaking, the approval time of this housing provident fund is: the shortest time from your application to the transfer of the loan to the loan bank is 20 working days, and the longest time is more than 3 months. Of course, the specific term of each bank is different.
The main stages of applying for housing provident fund loans require time: the qualification examination is generally 10 working days; Online signing and real estate assessment usually take 5-7 working days; Interview and preliminary examination usually take 5-8 working days; It usually takes one working day to sign a loan contract; Generally, it takes 5 working days to apply for mortgage; The waiting time for the loan is generally 10- 15 working days.
2. Provident fund credit loan. At present, the provident fund paid by individuals can be used as a voucher for applying for credit loans in addition to loans to buy a house. When your employer has paid the provident fund for more than 6 months and the payment base exceeds 5,000 yuan, you can generally apply for provident fund credit loans from banks such as China Merchants Bank, China Construction Bank, Industrial and Commercial Bank of China, China CITIC Bank and Minsheng Bank. Of course, whether it can be approved depends on the applicant's credit status. Generally, the maximum amount of this credit loan does not exceed 500,000, and the principal and interest are repaid in equal amount. The loan term is 65,438+0-5 years. This kind of credit loan is generally operated online, and the system automatically approves, applies on the same day, approves on the same day, and lends money on the same day. (Need to be reminded: to apply for a provident fund credit loan from a bank, you usually need to open a personal bank card at the bank. If you don't have a bank card, you need to open a bank card before you can apply, so the loan approval time will be longer.
3. How long does it take to apply for a pure provident fund loan at ICBC from application to lending?
Housing provident fund loan inquiry method:
1. After online banking is enabled for monthly payment cards of most banks, mortgage repayment records and loan balance can be found on online banking;
2. Inquire through telephone banking 955 service hotline and bank manual customer service;
3. Go to the personal credit reporting agency and print a personal credit reporting report, which will also show the loan balance. Take my ID card to the personal loan center where the bank issues loans for the account manager to inquire;
4. If you clearly know the time of interest rate adjustment and the current interest rate, you can also set up a professional loan calculator to calculate the monthly payment yourself.
4. How long does it take for the ICBC provident fund loan to be expedited?
15 days. It takes about 15 to 30 days to complete the ICBC provident fund loan. Unlike commercial loans, it takes several days to wait for the scale. It's hard to say, depending on the efficiency of the handling bank, but it won't exceed 15 days. So the express delivery has to wait 15 days. And if you apply for a loan at the end of the year, then the time for lending will be slower in this case, which may take about 2-5 months. ICBC's provident fund loan process is as follows: 1. Loan application. The borrower submits relevant application materials at the counter of ICBC, and ICBC will conduct preliminary examination after accepting them. After approval, it shall be reported to the housing provident fund management center for review. 2 housing provident fund management center to review and approve the loan application. 3. After being approved by the Housing Provident Fund Management Center, ICBC signed a loan contract and a guarantee contract with the borrower, and went through the necessary formalities such as mortgage registration. 4. Then the borrower goes to the ICBC counter to fill in the loan transfer certificate. According to the loan contract, ICBC transferred the loan funds to the sales account opened by the developer in ICBC.