Provident fund loans can generally be approved within 20 days. When the provident fund handles the loan, the staff will generally tell it takes ten days, ten working days, that is, twenty days. First of all, take your purchase contract and provident fund card. Household registration book, ID card, go to the provident fund to submit. The audit usually takes 3 to 5 working days. After the audit, go to the provident fund, sign a loan contract, and then wait for the loan.

Second, how to borrow the second-hand housing provident fund

Second-hand housing provident fund loan process:

1. Qualification examination of the buyer. The qualification examination of purchasing houses is based on the family, and the family members include the purchaser, his spouse and minor children;

2, online signing, buyers need to prepare the required materials first, and go to the corresponding district and county housing management bureau to take the number, arrange the number, and fill in the form;

3, assessment, generally need 5-7 work sunrise assessment report;

4. The preliminary examination refers to the preliminary examination of the borrower's loan qualification by the provident fund loan department;

5. Face-to-face signing requires buyers and sellers to bring relevant materials to the bank for interviews and sign various contracts and guarantees with the bank;

6. When the bank issues loans, it generally issues the municipal provident fund loans within 5 to 7 working days after the borrower personally signs them;

7. Sign a loan contract;

8. Pay taxes. The taxes that may be involved in housing transactions include deed tax, value-added tax and surcharges, personal income tax, comprehensive land price, land transfer fee, etc.

9. The transfer and change of property rights shall be subject to the registration of real estate. Illegal housing, seizure or policy changes, affecting the transfer of housing;

10, bank lending, lending banks generally need 15 to 20 working days after seeing the real estate registration certificate, but the time limit will be different due to different banking policies or urban areas.

The relevant legal basis of this article.

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.

2. How long does it take for the loan qualification review?

First, it takes about 15 days from application to loan. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. In a word, it takes some time for bank loans to be approved, which is not so good. Everyone needs to wait patiently. Second, the approval process

1. The borrower submits the loan application and related materials to the bank, such as ID card, household registration book, income certificate, marriage certificate, etc.

2. The bank will conduct a pre-loan investigation on the relevant information of the customer to determine the credit line, term, interest and guarantee method of the bank. , and then the account manager can write the investigation report;

3. After the account manager writes the investigation report, he submits all the customer loan information to the risk control department for review, and the risk control department conducts risk assessment and final review of the loan, or proposes amendments to inappropriate places;

4. After examination, the loan needs to be submitted to the president of the bank for approval, and the loan contract can only be signed after approval;

5. Finally, the loan review. The loan audit mainly depends on whether there are irregularities in the previous audit process. If not, the loan can be issued smoothly.

3. How long does it take for the online loan qualification assessment?

Hello, the auditing standards and methods of each college student loan platform are different. Generally, it is ok to place an order after improving the information. The general review time is 1 to 3 working days, and it is enough to wait for review after placing an order. Generally, the money will be transferred to your reserved bank card or Alipay account on the same day or the next day.

I hope I can help you.

4. How long does it take to review bank loans?

1. The results will be available in about a week, but you should know when you apply for a bank loan. For different banks, in addition to the audit and approval process, they have to go through other processes, so they need more time. At this time, it takes about 15 days from the start of application to the loan. 2. It doesn't take a long time to apply for a mortgage, because the bank's approval and review are very simple, unlike ordinary loans, so the whole process takes less time than ordinary loans. Generally speaking, the loan can be approved in a week or so, and the time is not particularly long. How to query the loan approval progress 1 Telephone consultation: No matter banks or other lending institutions, you can call their customer service, and the institutions will have specialized personnel to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you how your loan approval is progressing. 2. Inquiry in official website: Generally, banks or other lending institutions have their own official website. You can inquire about the progress of loan approval in official website. You can enter your account, find the loan progress query in the function bar, and then click Query to know your loan approval progress. 3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions to inquire. This is also a very convenient way for staff to help you check the progress of loan approval. 4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is also relatively simple and convenient. 5, app query; Now many banks and some lending institutions have their own apps, and there will also be a loan progress inquiry bar in the app. Click Query directly to check their loan approval progress through app.