Legal analysis: Generally speaking, after an individual applies for a mortgage loan, most banks will lend money 1-2 months after signing the loan. If the bank is short of money, such as applying for a loan at the end of the year, the time for lending will be slower, which may take about 2-5 months. How long the mortgage can be extended depends on whether it is a commercial loan or a provident fund loan. If it is a commercial loan, generally speaking, the loan time is relatively fast, and most of it can be lent in 1-2 months. If you apply for a provident fund loan, because the provident fund loan must be applied to the local provident fund management center first, and then transferred to the local bank to apply for the loan, there are many procedures and processes for approval, and the approval time is also slow. Generally, it takes about 2-6 months to lend money. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances, and employees can withdraw the storage balance in their housing provident fund accounts: (1) Buying a house. (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Second, how long does it take for the provident fund loan to be released?

1. Provident fund loans generally take 3 to 4 months for banks to lend money.

1. The bank informs the applicant to handle the loan formalities according to the approval result of 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 of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

Second, the housing provident fund refers to the long-term housing savings paid by 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.

2 provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

3. Lending refers to lending based on the borrower's credit and without providing collateral. Credit lending can enable borrowers to obtain additional capital and promote the expansion of production and circulation scale, so credit lending is a kind of capital lending. This is a form of bank loan. The risk of issuing credit loans is generally greater than other loans, so the interest rate is higher and many conditions are often attached.

3. How long does it usually take for the provident fund to be released?

After the provident fund loan is approved, the loan contract will be signed and renewed (this link will probably be completed within one week), and there will probably be one or two loans. Of course, sometimes things may be delayed, and it may take more than three months to get the loan.

For example, applying for provident fund loans at the end of the year, because the bank funds are relatively tight at the end of the year, and then the bank's year-end settlement, often a loan, has been in the state of "matching loans" during this period.

Because the process of provident fund loans is more complicated and takes more time, one to three months is actually very common. In addition, because the China government requires that provident fund loans must be issued before they can get the goods, it is easy to delay the lending cycle of provident fund loans, which is also the reason why many real estate developers suggest applying for commercial loans. Of course, there are also many cities that have shortened the loan period and can receive it in a few days or so.

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Extended data:

How long does it take to approve provident fund loans?

The process of personal housing provident fund loan is complicated, and it usually takes about one or two weeks from the submission of application materials to the acceptance, review and issuance of approval results by the housing provident fund management center; Then the entrusted bank will sign the loan contract, handle the mortgage, guarantee and other related work within days; After that, it usually takes a week or two for the bank to lend money, and it may take about a month or two if it is delayed.

It can be concluded that since the application for provident fund loan has been received, all links need to be roughly. If the application for provident fund housing loan has not been approved for three months, it is recommended to take the initiative to contact the customer service staff of the entrusted bank to find out what is going on and remind the other party to lend money as soon as possible.

If it happens that the bank is short of funds, it is necessary to wait patiently. At the same time, we must be credible. If the bank conducts a second audit before lending, it will be bad if the problem affects mortgage lending.

4. How long can the general provident fund be loaned?

Generally between 1-3 months.

Generally speaking, banks will issue provident fund loans only after the borrower's application for provident fund loans is approved, and the upper and lower households successfully handle the transfer and successfully obtain a new real estate license issued by the trading center.

Because there are many approval processes, the period from approval to lending of provident fund loans is generally between 1-3 months, or even longer.