Zhongshan Provident Fund is playing an increasingly important role around us. When the amount of provident fund reaches a certain level, as long as the depositor has the corresponding conditions, he can buy a house and repay the loan through Zhongshan provident fund loan. The following is what I have compiled for you about how long it usually takes for Zhongshan provident fund loans. I hope you like this article!
How long does it usually take for Zhongshan provident fund loans to be released?
Workers provide loan application materials-audited by the entrusted bank and the municipal provident fund center-apply for loan mortgage guarantee-issue loans;
The loan application materials are complete, and the examination time of the municipal provident fund center shall not exceed 10 working days; In line with the conditions for loan issuance, the time limit for loan issuance shall not exceed 5 working days after mortgage registration; If it does not meet the conditions for granting loans, it shall promptly notify the applicant and explain the reasons.
Zhongshan provident fund loan process
1. Applicants must pass personal qualification certification before purchasing first-hand or second-hand houses or applying for provident fund loans for building, decorating or overhauling self-built houses. The channels for personal qualification certification are self-service in the outlet hall of the provident fund center, all service windows of our center (B District of the Municipal Administrative Service Center, East District Office, Torch Development Zone Office, Xiaolan Office, Sanxiang Office, Tanzhou Office and the comprehensive service hall for loan approval, the same below) and all banking outlets entrusted with provident fund loans. Applicants who deposit provident fund in this city need to handle it by themselves in the online service hall. They only need to bring their ID card and provident fund co-branded card to the service window of our center (excluding the comprehensive service hall for loan approval) or the counter of the corresponding collecting bank to sign the Self-service Agreement of Zhongshan Housing Provident Fund Business, open the authority of the personal online service hall, and obtain the account number and password of the online service hall, then they can log in to the hall for personal qualification authentication. Applicants who deposit the provident fund in different places need to go to the service windows of our center for personal qualification certification with the deposit certificate and deposit flow (within the last six months) issued by the housing provident fund management center of the place of employment. After authentication, you can get an authentication code, valid for two months, and you can apply again after the expiration.
2. First-hand house: The developer applies for a loan to the provident fund center online with the applicant's authentication code, and submits materials to the undertaking bank for relevant procedures.
3. Second-hand house: Before the real estate transaction is transferred, you should bring the materials needed for the second-hand housing provident fund loan to the entrusted bank to apply for the evaluation and acceptance of the traded real estate. After submission, our center accepts the application in the loan bank window of the loan approval comprehensive service hall, and our center verifies the loanable amount, and then submits it to the entrusted bank for relevant procedures.
4. Construction, renovation and overhaul of self-occupied housing: Before the construction, renovation and overhaul of self-occupied housing, the applicant should bring the materials needed for the provident fund loan for the construction, renovation and overhaul of self-occupied housing to the entrusted bank for evaluation and obtain the transaction property. After submission, the application will be accepted at the loan bank window of the loan approval comprehensive service hall of our center, and the loan amount will be approved by our center. After approval, it shall be handed over to the entrusted bank for relevant procedures.
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