1. How long does it take to deposit provident fund in various cities to apply for provident fund loans?
1. The requirement of the multi-site provident fund management center for the deposit time is: when applying for a loan, the borrower has continuously paid the provident fund in full for more than 6 months (inclusive), and the provident fund account is in the deposit state before the loan can be made.
For example: Beijing, Shanghai, Guangzhou, Shenzhen, Harbin, Changchun, Shenyang, Taiyuan, Nanjing, Hangzhou, Baotou, Wuhan, Nanchang, Kunming, Fuzhou, Jinan, Urumqi and Haikou;
2. Some cities require continuous deposit of 12 months (inclusive), and loans can only be made when the provident fund account is deposited.
Tianjin and Changsha.
3. Special circumstances: In some places, when purchasing policy housing and applying for provident fund loans, the deposit time may be different from that of ordinary housing.
Example: ① Beijing requires borrowers to continuously pay the provident fund in full 12 months or more; In some places, the deposit time of special people is more relaxed.
② Yangzhou, for low-income workers' families, they can apply for provident fund loans if they are required to pay in full for 3 months or more.
Second, how long can the provident fund loan be completed?
The processing cycle of provident fund loans is long, because the process of provident fund loans is complex and involves many people, so the approval time is long.
1, new housing provident fund loan cycle:
The new housing provident fund loan requires the developer to handle the relevant filing procedures of the corresponding loan in the real estate bureau and the provident fund center. You can only apply for provident fund loans after successful filing, and you can't apply for unregistered real estate.
In the case of complete information and sufficient funds for provident fund, the borrower submits the application materials to the handling personnel for approval on the same day, signs the loan contract at the assisting bank on the same day, and the assisting bank goes through the mortgage formalities in the housing management department within three days, obtains the mortgage registration information after 12 working days, and issues the loan within three working days. The whole process lasts for 3-4 weeks.
2 second-hand housing provident fund loan cycle:
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;
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;
It takes 5~8 working days for the second-hand housing provident fund loan application to complete the face-to-face signing and preliminary examination, and 5~8 working days for the materials to be provided to be inconsistent or other circumstances to be proved;
Provident fund management center signs loan contract 1 working day;
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;
Lending 10- 15 working days.
Based on the above time, it takes 6~8 weeks for the second-hand housing provident fund loan to succeed.
The time spent on the above-mentioned provident fund loan is calculated with the full information preparation and active cooperation of both parties. In addition, the approval time of different cities may be slightly different, depending on the time given by the provident fund management center of each city.
(The above answers were published on 20 16-06- 14. Please refer to the actual situation for the current purchase policy. )
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