If it is approved, it usually takes one to two weeks to get the provident fund, and it will not exceed fifteen days at the latest. The specific time will be several days, depending on the efficiency of the handling bank. Generally speaking, it takes 15 working days for individuals to apply for provident fund loans, and 10 working days for mortgage loans before they can lend money.

1. The time required for each process of handling provident fund is roughly as follows:

1, house purchase qualification review

It takes 65,438+00 working days for the provident fund loan to review the qualification of buying a house, and 3 working days for the house verification. If there is a mortgage, it needs to be lifted during this period;

2. Online signing and real estate appraisal

Online signing takes 1 working days, and the evaluation is submitted at the same time. Sunrise results of 5~7 jobs in real estate assessment;

3, interview and preliminary examination

It takes 5~8 working days to complete the face-to-face signing and preliminary examination of provident fund loan application, and 5~8 working days if the materials to be provided are inconsistent or other circumstances need to be proved;

4. Sign a loan contract

It takes 1 working day to sign a loan contract in provident fund management;

Step 5 apply for 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.

Second, how to borrow housing provident fund

1. Go to the housing provident fund management center to fill in the application form for provident fund loan with personal ID information, house sales contract, down payment voucher and other materials, and handle the provident fund loan business;

2, the housing provident fund management center according to the provident fund account deposit, apply for loan amount, personal credit review and verification, determine the loan amount and loan period;

3. After approval, the borrower signs a provident fund loan agreement with the provident fund management center and issues a loan approval notice to the bank. The bank will issue a monthly repayment schedule according to the loan amount and term, and the borrower can repay the loan as scheduled according to the schedule.