The processing time of provident fund loans generally takes 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;

4. After approval, the loan bank and the borrower sign a loan contract, which can generally be completed within 2 working days;

5. If the borrower chooses to guarantee, it will take 6 working days to go through the mortgage formalities in the bank. Choose mortgage insurance, and it takes 7 working days to handle mortgage insurance. It usually takes 6 working days to choose the pledge guarantee and go through the pledge formalities.

6, the lender will guarantee information submitted to the city housing provident fund center, generally completed within 2 working days;

7, the city housing provident fund management center for the approval of guarantee materials, generally completed within 3 working days;

8. The loan bank usually completes the transfer formalities within 1 working day.

Extended data:

What materials do you need for provident fund loans?

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

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) 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;

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

How long does it take to approve provident fund loans?

Legal analysis: It takes about 15 days to approve provident fund loans.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

There are a thousand hamlets in a thousand people. In any case, there are no two identical leaves in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!

How long does the provident fund loan take?

It takes 3 to 4 months for banks to issue provident fund loans. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the loan funds will be allocated, and the entrusted bank will lend in full and on time according to the loan contract.

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

"Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

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 to approve the loan with complete information. 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.