Provident fund loans can generally be approved within 20 days.

Provident fund loans, the staff will generally tell you that it takes ten days, ten working days, that is, twenty days.

First, submit the provident fund with your purchase contract, provident fund card, household registration book and ID card.

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 long can the provident fund loan be approved?

: Generally, approved provident fund loans can be released normally within 7- 15 days. General lending time of provident fund loans: 1. For provident fund loans (without reconsideration), it takes 7 days to approve after submitting the information. 2. Transfer transaction is required after approval, and the loan will be released about 7~ 10 days after the transfer transaction is completed.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(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.

How long does it take to apply for a provident fund loan?

The processing time of provident fund loans generally takes 18 to 19 working days. The following is the time required for each link of the provident fund loan:

1. It usually takes 1 working days to complete the housing provident fund loan application form at the bank counter.

2, the loan bank for pre-loan review, post-loan review, the city housing provident fund management review, generally can be completed within 2 working days.

3, the city housing provident fund management center audit, general 1 working days can be completed;

4. After approval, the loan bank and the borrower sign a loan contract, 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. Choose mortgage insurance, and it takes 7 working days to handle mortgage insurance. It usually takes 6 working days to choose the pledge guarantee and go through the pledge formalities.

6, the lender will guarantee information submitted to the city housing provident fund center, generally completed within 2 working days;

7, the city housing provident fund management center for the approval of guarantee materials, generally completed within 3 working days;

8. The loan bank usually completes the transfer formalities within 1 working day.

Extended data:

What materials do you need for provident fund loans?

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the 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;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

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