Many employees are more concerned about whether the working unit will buy housing provident fund for employees when applying for a job. Therefore, it seems that the housing provident fund is indeed meaningful to property buyers, but the housing provident fund is not how they want to use it, and must meet the prescribed conditions. How long does it take for Beijing to buy demolition resettlement houses and apply for provident fund loans? How much can I borrow? Many employees are more concerned about whether the work unit will buy housing provident fund for employees. It seems that the housing provident fund is really meaningful for property buyers, but the housing provident fund can not be used casually if they want to use it, and must meet the prescribed conditions. How long does it take for Beijing to buy demolition resettlement houses and apply for provident fund loans? How much can I borrow?

How long does it take for Beijing to buy a demolition resettlement house and apply for a provident fund loan?

It takes 65,438+08-65,438+09 working days from the time when the borrower applies for a housing provident fund loan from the loan bank with relevant information.

These include:

The loan application (fill in the housing provident fund loan application form) is completed on the same day;

(2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management department for review after approval, which shall be completed within 2 working days.

(3) The Municipal Housing Provident Fund Management Office will review the loan and complete it within 1 working day.

(4) After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.

⑤ If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.

The loan bank will submit the borrower's information to the municipal housing provident fund, which will be completed within 2 working days.

All landowners city housing provident fund management department for examination and approval of loan materials, completed within 3 working days.

⑧ The borrower goes to the loan bank to handle the transfer formalities, which will be completed within 1 working day.

How much can Beijing demolition resettlement housing provident fund loan borrow?

The calculation of the loan amount of provident fund should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the high loan amount. The small value calculated by the four conditions is the high loanable amount of the borrower.

The specific upper limit varies from place to place, so it is recommended to consult the local housing provident fund management.

Resettlement houses can apply for housing provident fund loans. Loans for resettlement houses are usually made when the old houses have been demolished and the new houses have not been completed and delivered. Therefore, resettlement housing loans have more special requirements than general provident fund loans. In any case, being able to borrow money to buy a house will definitely greatly reduce the pressure of life.