How long does it take to apply for provident fund loans

Generally, it takes 18 to 19 working days to apply for provident fund loans. The following is the time required for each link of the provident fund loan:

1. Fill in the application form for housing provident fund loan at the bank counter, which can be completed in one working day.

2. The loan bank conducts a pre-loan review, and after the review is passed, it will report to the municipal housing provident fund management review, which can generally be completed within 2 working days.

3. The audit of the municipal housing provident fund management center can generally be completed within 1 working day;

4. After approval, the loan bank signs a loan contract with the borrower, which can generally be completed within 2 working days;

5. If the borrower chooses to guarantee, it will take 6 working days to go through the mortgage formalities in the bank. It takes 7 working days to apply for mortgage insurance when choosing mortgage guarantee. It generally takes 6 working days to go through the pledge formalities when choosing the pledge guarantee.

6. The loan bank will submit the guarantee information to the Municipal Housing Provident Fund Center, which is generally completed within 2 working days;

7. The approval of the guarantee materials by the municipal housing provident fund management center is generally completed within 3 working days;

8. The loan bank usually completes the transfer formalities within one working day.

Extended information:

What materials are needed for provident fund loans:

(1) Proof of deposit of housing provident fund for the applicant and his spouse;

(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) other information required by the provident fund center.

How long does it take to approve the provident fund loan

Legal analysis: It takes about 15 days to approve the provident fund loan.

legal basis: article 667 of the civil code of the people's Republic of China

a loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.

article 68 it is forbidden to lend at high interest, and the interest rate of the loan shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Borrowing between natural persons is deemed to have no interest.

There are 1, Hamlets in 1, people. No matter what, two identical leaves cannot be found in the world. Everyone has different opinions and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!

How long does it take for provident fund loans

Generally, it takes 3 to 4 months for provident fund loans to be loaned by banks. The bank informs the applicant of the loan procedures according to the results approved 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 of the provident fund center, the loan fund is allocated, and the entrusted bank lends in full and on time according to the loan contract.

article 24 of the regulations on the management of housing provident fund: employees may withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) 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 legatee can 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 will be included in the value-added income of the housing provident fund.

article 6 of the regulations on the management of housing provident fund, the deposit and loan interest rate of housing provident fund is proposed by the people's bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

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.