1. It usually takes 7-10 working days to submit the spare parts and payment from the buyer and the seller for approval. Loan time: The loan group process is to issue the certificate first and then get the loan. Generally speaking, it takes 45 working days after approval. However, due to the current tightening of bank funds, it will take longer.

2. Generally, all the procedures are completed before handing over. It depends on whether you have special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and seller go to the bank to sign a commercial loan contract, and then the buyer and seller go to the exchange to handle it. Transfer procedures.

3. After signing the commercial loan contract, the original passbooks of the buyer and seller must be left at the hosting office. After the new property ownership certificate is issued, the copy will be sent to the appraisal office. After the appraisal report is released, the buyer will be initially reviewed. The customer's provident fund loan amount, term and qualifications will be sent to the commercial loan bank for the portfolio loan contact sheet and evaluation report, which will be reviewed and approved by the bank (bank review time takes 5-10 working days).

4. On the 13th working day after signing the provident fund loan contract, the provident fund loan part will be disbursed, and within 3-5 working days after the end of the public loan disbursement, the commercial loan part will be disbursed.

How long does it take for a portfolio loan to be approved? The approval time is related to the time when the borrower applies for the loan (whether it is the peak season), the loan amount, the loan method, the lending institution and other factors. Therefore, preparing relevant documents and processing time are also related. :

Process for combined loan processing

1. The borrower brings a copy of the house purchase contract and the developer’s house sales license, ID card, housing provident fund savings card, and seal to the Construction Bank of each district or county. The Real Estate Credit Department applies for a housing provident fund loan (if a husband and wife use a housing provident fund loan, they must also bring a marriage certificate or other proof of the relationship between husband and wife) and fill out an individual housing provident fund loan (portfolio) loan application form.

2. Based on the information provided by the borrower, the lending bank assesses whether the borrower meets the loan conditions, calculates the loan amount, determines the loan term, and after the lending bank reviews the borrower's application, the borrower signs a loan contract with the bank and mortgage contract (sign a pledge contract without house guarantee).

3. After the loan contract is signed, there are two guarantee methods for housing provident fund loans (combination loans) with the relevant departments. The borrower can choose any of them according to his actual situation. The borrower can use The property owned, owned or by a third party shall be mortgaged, bank time deposit certificates and other securities recognized by the lending bank shall be pledged, and the securities held by the borrower shall be handed over to the lending bank for safekeeping.

Reference materials: Baidu Encyclopedia ~ Portfolio Loan