Generally, portfolio loans will be approved within one or two months and the results will be obtained. After the portfolio loan application is submitted, the provident fund loan and the commercial loan are reviewed separately. Provident fund loans are audited by the local housing provident fund management center, and commercial loans are audited by the entrusted bank. Approved customers need to sign loan contracts and go through mortgage and other related procedures at the outlets within the agreed time. This process takes about five to seven working days.

2.202 1 How long does it usually take to approve the combined loan of CCB?

It usually takes a month to review. The applicant submits the application materials to the bank. The bank audit department shall audit the borrower's real information, conduct telephone audit and issue audit opinions. Finally, the audit reply and loan are given.

Third, how long can the portfolio loan review come down?

It usually takes about two months to apply for a portfolio loan. Among them, the time limit for banks to review individual housing loan applications is within three weeks, while the time limit for housing provident fund management center to review client loan applications is within 15 days from the date of accepting applications. Legal Basis Article 8 After receiving the loan application and the materials that meet the requirements, the lender shall review it in accordance with the regulations and give a reply to the borrower within 3 weeks. Article 9 Where a lender agrees to a loan, it shall sign a loan contract with the borrower in accordance with the general loan rules, and issue the loan to the borrower after signing the guarantee contract in accordance with the Measures for the Administration of Loan Guarantee of Industrial and Commercial Bank of China. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Fourth, how long does it usually take to approve the housing portfolio loan _ Q&A

Provident fund loans generally take about 1 month to be issued.

Provident fund loan processing flow:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.