We introduce the required time from the following stages.
1. Qualification examination of house purchase
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. Apply for interview and preliminary examination
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;
4. Sign a loan contract
Provident fund management center signs loan contract 1 working day;
Get 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.
Generally speaking, the second-hand housing provident fund loan takes 6-8 weeks, that is, 1-2 months. However, in 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.