1. How long will it take for the provident fund loan to be approved

If you handle the personal housing provident fund loan business at China Bank in Shenzhen, after the employees prepare the application materials and submit them to the banking outlets, the accepting personnel will conduct a preliminary review of the materials and make an acceptance decision within 5 working days; The center shall review the application materials and make a decision on granting or not granting the loan within 5 working days after confirming the acceptance. Because there are differences in policies and requirements for handling individual housing provident fund loans in local housing provident fund management centers, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

second, how long is the loan period of Nantong provident fund?

Provident fund loans may take about 7-15 days from approval to lending, depending on your bank and your own conditions.

3. How long does it take for Nantong provident fund loan

Generally, it takes about one month.

provident fund loan conditions:

1. On-the-job employees who have full civil capacity and pay the housing provident fund in full;

2. The housing accumulation fund has been paid continuously and normally for more than twelve months;

3. Purchase and build self-occupied houses within the administrative area, and have paid off the purchase price above the prescribed down payment ratio;

4. Personal credit is good, with stable economic income and the ability to repay loan principal and interest;

5. Agree to use the purchased house as collateral for the loan, or provide the guarantee approved by the management center.

provident fund loan processing flow:

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

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

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

(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.

2. 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 banks of the approval results in time.

4. The bank informs the applicant to go through the loan formalities 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 formalities 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.

iv. How long does it take for Nantong provident fund loan

Generally, it takes about one month.

provident fund loan conditions:

1. On-the-job employees who have full civil capacity and pay the housing provident fund in full;

2. The housing accumulation fund has been paid continuously and normally for more than twelve months;

3. Housing in the administrative area, and having paid the house purchase price above the prescribed down payment ratio;

4. Stable economic income and repayment

5. Agree to use the purchased house as collateral for the loan, or provide a guarantee approved by the management center.

provident fund loan processing flow:

1. Lenders need to submit a written application to the bank to apply for housing provident fund loans, and fill out the application form for housing provident fund loans, such as

(1) applicants and matching;

(2) application, permanent residence booklet and other valid residence documents), and proof of marital status;

(3) proof of creditor's rights and debts that have an impact on repayment ability;

(4) purchasing valid certification documents;

(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 the guarantee and pays the guarantee fee, and the borrower * * * signs a tripartite contract.

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

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

3. The provident fund center is responsible for the examination.

4. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center, and the borrower and his wife sign a loan contract with the bank and send it to the provident fund center for review. The provident fund center approves the entrusted bank to issue the loan in full and on time according to the loan contract.

5. The house property management department in the area where the house is located shall take the form of house mortgage. 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.