Hello! I'm happy to answer your question. The answer about how the housing provident fund loan bank lends money is as follows. 1. Submission of materials When the borrower applies for provident fund loan in the management department of the provident fund management center where the provident fund is deposited, if he chooses the guarantee center to provide guarantee, he shall submit all the materials required for the individual to apply for loan, including personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc. 2. Review Notice After the loan application is approved in the first instance, the management department will issue a review notice of the guarantee application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center. 3. The approval guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue a letter of approval for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. 4. The paying borrower shall pay the guarantee service fee according to the approved guarantee application opinions. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents. 5 materials to the audited personal loan application materials (including the sealed contract), from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information. 6. Signing a contract The Housing Provident Fund Management Department supervises and guides the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents. The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees jointly by the state, collectives and individuals. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans. Time for the issuance of provident fund loans The time required for the issuance process of provident fund loans is as follows: 1. The applicant and * * * make an appointment with the applicant online, and then go to the service hall of the central management department with the application materials. 2. After acceptance, the service hall of the central management department will wait for approval, and the approval time will be within 5 working days. 3. Within 5 working days after approval, sign the contract at the bank station in the service hall of the central management department. 4. The borrower and the entrusted bank shall issue the loan after handling the relevant loan procedures. Finally, the borrower can go to the bank counter in the service hall of the central management department to get relevant information. Because there are small differences in provident fund loans in different places, the above is just the usual process in general areas, so if you want to know more about the provident fund loan process, I suggest you contact the local provident fund center directly, and they will give you a detailed and comprehensive answer. Tips for handling provident fund loans: 1. How to correctly evaluate your ability to buy a house? First of all, it depends on whether you have a down payment of not less than 30% of the purchased house price; Secondly, to fully evaluate their ability to repay the principal and interest of housing loans every month, consumers had better consult the loan bank about the loan plan before lending. 2. Choose the type of personal housing loan. At present, there are three kinds of loans: individual housing provident fund loans, individual housing portfolio loans and individual housing commercial loans. The interest rate of provident fund loans is the lowest, followed by portfolio loans, and commercial loans are the highest. When lending, buyers should pay attention to the fact that provident fund loans are only lent to employees who establish housing provident fund. 3. Try to repay personal housing loans flexibly. When many borrowers first took out loans, because they didn't know how much money they would make in the future, they came up with the idea of "lending more and lending more for a while". In recent years, with the increase of income, the repayment ability has been greatly improved, but the loan interest has also increased. Therefore, if the ability permits, you can pay off the loan in advance as soon as possible, so you can also ask the insurance company to refund the previous premium.

How long will it take to approve the provident fund loan application?

To apply for a provident fund loan, it will take about 10-20 working days for the loan to be approved if the information is complete. The conditions for applying for public housing loans are: (1) the housing provident fund system has been established for one year, and the housing provident fund has been paid in full and continuously for more than half a year every month; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legitimate housing purchase (construction, renovation, overhaul) contracts and agreements, as well as supporting documents approved by relevant departments; . 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; 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; Other conditions to be met when applying for provident fund loans. Materials to be submitted when applying for housing provident fund: a copy of the applicant's ID card; Copy of the applicant's household registration book (home page, personal page, change page); Copy of down payment invoice for house purchase; Original and photocopy of the commercial housing sales contract; Original and photocopy of the house ownership certificate; Original loan application form. Steps of applying for housing provident fund loan: the applicant brings information to the management center for consultation, application and filling out the application form; After approval, the center will issue a power of attorney to the applicant; After receiving the notice, the applicant brings all the originals to the bank to sign the contract. , and at the same time in the notary office for notarization procedures; The applicant should wait for the seller to stamp the signed contract information; The applicant holds a secured loan contract (mortgage contract) to the real estate management office for mortgage registration; The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.

How long can the provident fund loan be released?

Provident fund loans will generally be released within 18 to 19 working days. The following is the time required for each link of the provident fund loan:

1. It usually takes 1 working days to complete the housing provident fund loan application form at the bank counter.

2, the loan bank for pre-loan review, post-loan review, the city housing provident fund management review, generally can be completed within 2 working days.

3, the city housing provident fund management center audit, general 1 working days can be completed.

What are the requirements for provident fund loans?

The borrower shall meet the following conditions:

(1) Having a legal and valid identity certificate;

(2) Having full capacity for civil conduct;

(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

(four) the purchase, construction, renovation, overhaul occupied housing;

(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

(seven) to provide a guarantee recognized by the client;

(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;

(9) It meets other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.

2. Borrowers who purchase non-policy housing should, in principle, continuously deposit the housing provident fund in full 12 months before applying for loans, and be in the paid state when applying for loans.

3. The loan applicant is a retired employee who paid the housing provident fund during his working period.

What materials do you need for provident fund loans?

The materials required for handling provident fund loans include: the first page and personal page of the lender's ID card or valid identity certificate, the change page of household registration book, temporary residence permit and valid residence permit. If the lender is married, it shall also provide a valid marriage certificate, personal income certificate, college education certificate, property right certificate of the lender's company, self-owned property certificate, public rental housing certificate, loan repayment certificate and other materials required by the provident fund management center.

What are the procedures for provident fund loans?

1. First, the borrower needs to go to the local provident fund management center and the bank that handles the loan to check whether it meets the loan conditions, and if it meets the conditions, prepare the relevant materials needed for the housing provident fund loan.

2. The borrower shall submit a written application to the local provident fund management center with the information required for handling the provident fund loan, fill in the Application Form for Housing Provident Fund Loan, and truthfully provide relevant information.

3. After receiving the application materials of the borrower, the housing provident fund management center will review the loan qualification, loan amount and term.

4. After passing the examination, the provident fund management department will issue the Notice of Collateral Appraisal again, and the borrower will apply for collateral appraisal to the appraisal institution designated by the provident fund management center with the Notice of Collateral Appraisal.

5. The borrower signs relevant contracts or agreements with the provident fund management center. After the contract is signed, the provident fund management center will entrust the bank to lend money.

6. After obtaining the loan funds, the borrower can repay the arrears on time according to the loan contract.

How long can the provident fund loan be released?

1. How long is the provident fund loan?

1. Generally, it takes 2 to 3 months to complete the approval of the provident fund, and the housing provident fund loan rules require that the loan should not exceed 3 months. If you don't need to reconsider the provident fund loan, it usually takes about half a month for approval after submitting the materials. After the approval, it is necessary to handle the transfer, and the loan will be released about 7 to 10 days after the transfer formalities are completed.

2. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, 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 loans are issued, the entrusted bank shall go through the loan procedures. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Second, how to handle the provident fund loan procedures?

1. The borrower submits a written application for housing provident fund loan to the bank, fills in the application form for housing provident fund loan and truthfully provides information;

2. For the loan application with complete information, the bank will accept and review it in time and submit it to the provident fund center in time;

3 provident fund center is responsible for the examination and approval of loans, and will promptly notify the bank of the examination and approval results;

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center;

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located.

Is provident fund loan a bank loan or a provident fund management center loan?

Provident fund loan is a bank loan, because this loan contract is signed by the applicant and the bank, but it needs to be audited by the provident fund center during the application process. Users apply for provident fund loans in the first suite, so the interest rate is the same all over the country, and the benchmark interest rate of provident fund loans is adopted. As for the interest rate of the provident fund loan for the second suite, all localities will rise according to the actual situation. The interest rate of provident fund loans is lower than that of commercial loans. As long as you can apply for provident fund loans, please apply for provident fund loans first.

1. Can the housing provident fund be loaned?

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

It can be seen that the housing provident fund can apply for loans, but it can only be used for employees to buy, build, renovate and overhaul their own houses. The main types of provident fund loans are new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on. But it should be noted that not all provident fund centers can handle these types of loans.

Second, how to apply for housing provident fund loans?

1. Submit the application

The borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, marriage certificate, income certificate of the applicant and spouse, legal original purchase contract, stamp of the applicant and spouse, etc.

2. Audit data

The housing provident fund management center shall review the borrower's information, including the borrower's qualification, loan amount, term, etc. After passing the examination, the management center will issue relevant certificates of loan approval.

Step 3 sign a contract

If the borrower is approved by the housing provident fund management department, he may sign a loan contract and a guarantee contract with the loan bank, and handle mortgage registration, insurance, notarization and other related procedures.

Step 4 lend a loan

According to the loan contract, the loan bank will transfer the loan to the bank account designated by the borrower in one lump sum or in installments.

5. Repay on time

The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract.

Step 6 cancel the mortgage

After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.

How long can the provident fund loan be released?

Generally 1 month or so. Provident fund loan processing flow:

I. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(two) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and permanent residence booklet) and the 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;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

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

(seven) other information required by the provident fund center.

Two, for the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time.

Three, the provident fund center is responsible for loan approval, and timely notify the bank of the approval results.

4. The bank informs the applicant to go through the loan procedures according to the examination and approval results of the provident fund center. The borrower and the husband and wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will pay them in full and on time in accordance with the provisions of the loan contract.

5. If mortgage is used as a guarantee, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Extended data:

Matters needing attention in buying a house with provident fund loan:

1. Provident Fund Loan Couple Loan: If both husband and wife apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, there will be corresponding records in the core system. Before the last loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.

2. Provident Fund Loan Second Suite: If the borrower uses the provident fund loan to buy a house, such as 1 suite, it will be used. Before the provident fund loan is paid off, it is not allowed to apply for a provident fund loan again to buy a second house. Only when the previous housing loan is paid off can the provident fund loan be used again. It will not be regarded as the second house, but it will still be regarded as the first house operating according to its policies.

Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

4. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

6. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

7. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the real estate transaction core of the district and county where the real estate is located.

8. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.