It generally takes 10-20 working days to apply for provident fund loans, which meets the processing conditions and has complete information. The specific time needs to be based on the time of the local processing center.

Conditions for applying for public housing loans:

1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year;

2. Have a stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. There are legal purchase (construction, renovation, overhaul) housing contracts, agreements and supporting documents approved by relevant departments;

4. If you buy a house, you should have paid a down payment of not less than the specified proportion; Construction, renovation and overhaul of housing, can pay not less than the prescribed proportion of the construction, renovation and overhaul of housing costs down payment or self financing;

5. Can provide the guarantee conditions recognized by the management center. At present, the guarantee method recognized by the center is that the house with property rights is used as loan collateral, and the house purchased by the guarantee company or real estate company is used as loan collateral, and at the same time, joint or phased guarantee and joint guarantee of housing provident fund are provided;

6. Other conditions that need to be met when applying for provident fund loans.

Information required for applying for provident fund loan:

1. Proof of deposit of housing provident fund of the applicant and spouse;

2. The identity certificate of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and 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;

4. Valid documents such as purchase contract and agreement;

5. Collateral, pledge list, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

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

7. Other information required by the Provident Fund Center.

Process of applying for provident fund loan:

1. Application: the applicant and * * * together with the applicant go to the personal loan acceptance window of the central district management department (hereinafter referred to as the management department) where the housing provident fund is deposited to fill in the Application for Approval Form for Provident Fund Loan;

2. Review: the accepting personnel review the personal credit (including spouse) and materials according to the loan policy, enter the information in the form and pass the review, and then the system outputs the contract text, loan receipt and entrusted deduction agreement;

3. Signature: The applicant and the applicant sign the above words for confirmation after handling the bank repayment card (discount). Handling guarantee and mortgage: the applicant and * * * go to the window of the guarantee company to handle the registration of guarantee and real estate mortgage;

4. Lending: After the registration of guarantee and real estate mortgage is completed, the management department will check the loan materials and entrust the bank to transfer the loan to the account of the development enterprise that signed the guarantee agreement with the center, and the borrower will get the corresponding receipt from the entrusting bank with the original ID card;

5. Repayment method: The borrower shall repay the monthly loan principal and interest within the time limit stipulated in the contract until the loan is fully paid off.