1. The developer failed to send the commercial housing sales record form to the bank in time.

2. The loan list of the provident fund center has not been submitted to the bank (usually within 15 working days).

3. the fund of the provident fund center has not been transferred to the bank that gave you the loan.

4. The balance of the funds of the provident fund center that have not been allocated to the bank or the provident fund center is insufficient.

Provident fund loan approval process

1. Employees should prepare personal ID cards, provident fund co-branded cards, purchase contracts, down payment receipts, residence certificates (household registration books or temporary residence permits), income certificates (such as bank accounts and payrolls) and other materials to apply for loans from the local housing provident fund management center.

2. After receiving the customer's information, the staff will sort it out and conduct a preliminary review.

3. The staff will report the information provided by the customer to the center for review after the first trial confirms that it is true and perfect.

4. After the review, the value of the house will be evaluated and audited.

5. The evaluation report will be submitted to the Provident Fund Center for re-examination and approval, and the loan amount will be approved.

6. Face-to-face interview shall be conducted by the entrusted bank.

7. After the bank signs the loan contract with the customer and completes the relevant mortgage procedures, the bank will submit all materials to the provident fund center for approval and transfer.

The whole process takes about two or three months, and the customer only needs to wait patiently for the funds to be released to the account (banks usually transfer them to the customer account first, and then the system transfers them to the seller account).

Conditions of provident fund loans in 2022

1, with full capacity for civil conduct and legal and valid identity documents.

2. The housing provident fund has been paid in full and continuously for more than 6 months (inclusive).

3. Have a stable professional and economic income and the ability to repay the principal and interest of the loan on time. The total monthly repayment of all debts by the Borrower and co-borrower shall not exceed 50% of the monthly legal income of the family. The monthly income of borrowers and co-borrowers is based on the deposit base of housing provident fund plus the monthly deposit amount of housing provident fund; If co-borrower has not paid the housing accumulation fund, it needs to issue a valid income certificate and proof materials.

4. Good credit status.

5. Buying, building, renovating or overhauling owner-occupied housing within 2 years before applying for a loan.

6. Pay the down payment according to the specified proportion. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.

7. Mortgaging the purchased (built) houses or providing third-party houses or securities recognized by the Municipal Provident Fund Center as collateral (pledge).

8. The borrower and co-borrower provident fund loans have been paid off or have not occurred.

Specific to the city's regulations.

Reasons for not lending money after approval of provident fund

1. The real estate agent failed to send the commercial housing sales record form to the bank in time;

2. The next payment register of the Provident Fund Center has not been submitted to the bank (generally within 15 working days);

3. The funds of the Provident Fund Center have not been transferred to the banks that provide loans to users;

4. The balance of the provident fund in the provident fund center is insufficient.

The above is the relevant content of the reasons for not lending after the approval of the provident fund.

How long will it take for the provident fund loan to be rejected?

If the provident fund loan fails, the individual will be notified immediately. How long after the application, it depends on whether the application is for the state-managed provident fund or the municipal-managed provident fund. Generally speaking, municipal management is faster than national management, and the time is generally 15 to 25 working days.

Generally, it takes ten days to three weeks to approve the provident fund, and whether it is approved or not will be notified. If not, you need to prepare reconsideration materials, unless you can't provide proof of non-payment. Generally, it can be passed, and the loan contract will be notified after it is passed. When applying for provident fund loans, we must ensure that the information submitted is complete, true and effective. Never cheat in order to improve the pass rate of loan application. Otherwise, once discovered, it will often be more difficult to apply for provident fund loans in the future. If the circumstances are serious, they may be blacklisted by banks and become users who refuse to come and go.

When will the provident fund loan be released at the latest?

There is no fixed time for the next installment of provident fund loans, usually from 1 to March. It often takes so long because the provident fund loan needs to pass the examination, and the examination needs to check the raw materials and specific conditions provided by the applicant. If the provident fund loan is approved, it can be issued normally within 7 to 15 days.

If the application materials submitted by the applicant are complete and true, the review time will be greatly reduced, and the review results will be obtained in about 15 working days, and then the payment will be made as soon as possible, so the provident fund loan will be successful in less than one month, but it may take several months if it is slow. If you want individuals to apply for provident fund loans, you can provide real materials, submit the required materials at one time, safeguard your personal reputation, and provide strong proof of repayment ability. Before preparing to apply for provident fund loans, users can make corresponding preparations. This article mainly writes about the knowledge points about the reasons for not lending money after the approval of the provident fund, and the content is for reference only.

What are the reasons for not lending provident fund loans for more than three months?

What are the reasons for not lending provident fund loans for more than three months?

Generally speaking, the procedure for employees to use provident fund loans to buy a house is a little more complicated than commercial loans from banks, because provident fund loans are slower than commercial loans from banks and take longer. Then, what are the reasons for not lending provident fund loans for more than three months?

Generally speaking, there are three reasons why the provident fund loan has not been extended for more than three months, namely: when the quota of the provident fund center is tight, there is no quota for the time being; The applicant's information is incomplete or the provident fund loan procedures have not been completed. In this case, loans are generally not issued; If the housing information is incorrect, the housing provident fund will verify the housing information, thus delaying the loan. Please consult the local provident fund management center for details.

In addition, the provident fund loan can be released within 7 to 15 days after approval. However, in reality, the lending time of provident fund loans is generally within 1 month to 3 months, and the lending time of provident fund loans is slow, and it usually takes several months to lend. Therefore, employees applying for provident fund loans do not have to worry too much about the time of provident fund lending.