how long does it take to apply for provident fund loans?

provident fund loans can generally be approved within 2 days.

when you apply for a loan from the provident fund, the staff usually tell you that it takes ten days and ten working days, that is, twenty days.

First, take your house purchase contract, provident fund card, household registration book and ID card and submit them to the provident fund.

the audit usually takes 3 to 5 working days.

after the audit, go to the provident fund, sign a loan contract, and then wait for the loan.

How soon can you approve the application for provident fund loan

It takes about 1-2 working days for the loan to be approved under the condition of complete information. The conditions for applying for public housing loans are as follows: (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 the loan; There are legal housing purchase (construction, renovation, overhaul) contracts, agreements and supporting documents approved by relevant departments; . If you buy a house, you should have paid the 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 cost of construction, renovation and overhaul of housing down payment or self financing; Can provide the guarantee conditions recognized by the management center. At present, the guarantee methods recognized by the center are the houses that have obtained property rights as loan collateral, and the guarantee companies or real estate companies use the houses purchased by loans as loan collateral, and at the same time provide joint or phased guarantee and housing provident fund joint guarantee; Other conditions to be met when applying for provident fund loans. The materials to be submitted when applying for housing provident fund: a copy of the applicant's ID card; A copy of the applicant's household registration book (home page, personal page and 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 to apply for housing provident fund loan: the applicant brings information to the management center for consultation, application and filling in the application form; After examination and approval, the center will issue a letter of entrustment to the applicant; After receiving the notice, the applicant brings all the originals to the bank to sign the contract, etc., and at the same time goes through the notarization formalities at the notary office; The applicant shall wait for the house seller to affix his seal with the signed contract information; The applicant holds the guaranteed loan contract (mortgage contract) until the real estate management office handles the mortgage registration; The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the notice of transfer, and finally holds the notice of transfer to the bank for transfer procedures.

how long does it take for the provident fund loan to be approved for lending?

Generally, it takes about one month. Procedures for handling provident fund loans:

1. Lenders need to submit a written application to the bank for housing provident fund loans, fill in the application form for housing provident fund loans and truthfully provide the following information:

(1) Proof of the applicant's and spouse's housing provident fund deposit;

(2) proof of identity of the applicant and spouse (referring to resident identity card, permanent residence booklet and other valid residence documents), 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;

(4) valid documents such as contracts and agreements for housing purchase;

(5) Collateral used for guarantee, list of pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) The Provident Fund Center requires a third-party guarantor to provide the guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

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

second, the bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time.

3. the provident fund center is responsible for approving loans and informing the bank of the approval results in time.

iv. the bank informs the applicant to go through the loan procedures according to the results of the examination and approval by 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 by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

5. In case of mortgage, the borrower shall go through the mortgage registration formalities with the property right management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.

Extended information:

Precautions for buying a house with provident fund loans:

1. Couple loans with provident fund loans: If both husband and wife apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, it will be recorded in the core system. Before the last loan is paid off, both husband and wife can't use provident fund loans to buy a second house.

2. The second suite of provident fund loan: If the borrower uses the provident fund loan to buy a house, the first suite will be used. Before the provident fund loan is paid off, it is not allowed to apply for the provident fund loan again to buy a second house. Only when the previous housing loan is paid off can the provident fund loan be used again, and it will not be considered as the second house, but will still be regarded as the first house to operate according to its policies.

3. Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan to pay the house payment, then the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.

4. Don't prepay the loan within the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

5. Don't forget to look for the bank around you if you have difficulty repaying the loan. When your debt-paying ability drops during the loan period and you have difficulty in repaying the loan, don't insist on it yourself. ICBC's customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term if there is no default in repayment of the loan principal and interest.

6. Don't forget the obligation to inform when renting the house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgaged fact in writing.

7. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the real estate transaction core of the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificate of the collateral.

8. Don't lose the loan contract and iou. To apply for a mortgage loan, the loan contract and the iou signed by the bank with you are all important legal documents. As the loan period can be as long as 3 years, as a borrower, you should take good care of your contracts and IOUs.