1. Shanghai pure provident fund can be approved within working days. Procedures for handling provident fund loans:

1. The loan applicant shall go to the entrusted bank to collect and truthfully fill in the Approval Form for Housing Provident Fund Loan Application and submit all the required materials to the entrusted bank. The examination and approval form for the application for housing provident fund loan of the entrusted bank and the contents provided are complete and standardized, with complete and valid certificates and authentic materials.

2. The entrusted bank shall sign the opinions and indicate the time to submit them to the management center after examining and approving the various certificates and materials of the borrower.

After that, according to the credit status of the three-level examination and approval system, conduct investigation, calculation and verification, sign opinions, and report them to the person in charge of the management center for approval after being reviewed by the person in charge of the credit business department. Then go to the letter of entrustment to make it clear that the loan object and the loan funds from Jin Tuo will be transferred to the account of the host bank. For those who do not meet the loan conditions, explain the reasons.

Second, what is the provident fund? Usually refers to the housing provident fund, sometimes refers to the company provident fund, 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 paid long-term housing savings. From July 20 17 1 day, all housing businesses have been handled through the "National Housing Provident Fund Transfer and Continuation Platform". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases. 20 16, 18 On February 8th, according to the Opinions on Improving Deposits in Employees' Housing Provident Fund Accounts issued by the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance, the deposit interest rate of employees' housing provident fund accounts was implemented from the current benchmark interest rate for current and three-month deposits according to the collection time, and was transferred to the benchmark interest rate.

2. How long does it take to apply for provident fund loans?

It usually takes 20 to 25 working days to complete.

Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

3. How long does it take to apply for provident fund loans?

It takes 65,438+08-65,438+09 working days from the time when the borrower applies for a housing provident fund loan from the loan bank with relevant information. Among them: ① loan application (fill in the housing provident fund loan application form) is completed on the same day; (2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days. (3) The municipal housing provident fund management center will review the loan and complete it within 1 working day. (4) After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days. ⑤ If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities. The loan bank will submit the borrower's information to the municipal housing provident fund, which will be completed within 2 working days. All landowners city housing provident fund management center approval of loan materials, completed within 3 working days. ⑧ The borrower goes to the loan bank to handle the transfer formalities, which will be completed within 1 working day.

4. How long can the provident fund loan be approved?

Bank staff approval.

1. Qualification examination of house purchase. It takes 10 working days to review the qualification of purchasing houses with provident fund loans, and at the same time, it takes 3 working days to verify the houses. If there is a mortgage, it needs to be released during this period;

2. Online signing and real estate appraisal online signing need 1 working day, and the appraisal is submitted at the same time. Sunrise results of 5~7 jobs in real estate assessment;

3. It takes 5-8 working days to complete the interview and preliminary examination of the 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 the loan contract. The provident fund management center signs the loan contract 1 working day;

5. It takes 5 working days for the mortgage buyer and seller to go through the formalities of tax, transfer, etc., and the borrower issues other rights certificates with the new house as collateral;

6. Wait for the loan after all the above processes are completed, and wait for the loan 10- 15 working days. Generally speaking, it takes 6-8 weeks to complete the provident fund loan, that is, 1-2 months. However, in areas where the amount of provident fund is tight, the loan processing cycle may be longer, and the approval time in different cities will be different. Please consult your local provident fund center for details.