The loan approval and loan time of housing provident fund is about 14-22 days. Provident fund loans, without reconsideration, need 7 days for approval after submission of documents. Transfer transaction is required after approval, and the loan will be released about 7- 15 days after the transfer transaction is completed. At present, there are bank loans for real estate, and the provident fund loans can be paid directly to the fund supervision account after approval. No matter whether the original house has a loan or not, the loan is first deposited in the fund supervision account. The lending time of provident fund loans varies from region to region and specific circumstances.

Requirements for provident fund loans:

1. has legal and valid identification;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4 purchase, construction, renovation and overhaul of owner-occupied housing;

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

6. Meet the conditions stipulated by the client for depositing the housing provident fund with the loan before exiting the customs;

7. Provide customer-recognized guarantee;

8. The borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy interest subsidies;

9. Meet other conditions stipulated by the client.

What information do you need to apply for a first-hand housing provident fund loan?

1. Personal identification: resident ID card, military officer's card, travel permit for Hong Kong and Macao residents to and from the mainland, mainland travel permit for taiwan residents; Married persons are required to provide the original proof of spouse's identity;

2. proof of marital status: marriage certificate, unmarried "declaration guarantee", property division agreement);

3. Original tax list of the previous year (required when providing other income);

4. Original sales contract;

5. Copy of the first invoice issued by the developer. If the first receipt is provided, credit card paper or cash receipt shall be provided;

6. Bank passbook for repayment;

7, provident fund joint card;

8. Personal credit report;

9. Personal (family) housing certificate can be printed by itself.