1. The Shanghai Provident Fund Loan Process and Time The Shanghai Housing Provident Fund Loan Approval Process and Time are as follows: 1. Determination of the number of housing units: generally 7-10 working days.

2. Signing of loan contract and loan approval: 10-15 working days.

3. Mortgage transfer (entering the transaction center): 7 days (off-plan house) and 20 days (existing house).

4. After receiving the mortgage certificate and production certificate, the agent prints the loan notice and notifies the bank for the loan within 5 working days.

: 1. Provident Fund 1. Usually refers to housing provident fund, sometimes also refers to company provident fund.

The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees.

2. Pure provident fund loans refer to provident fund loans, which are different from commercial loans.

Mortgage loans all use provident funds, without commercial loans.

A mixed loan is a provident fund commercial loan portfolio, which is generally based on provident fund and supplemented by commercial loans. That is, most of the provident fund loans are used to finance the buildings, and the remaining share exceeding the provident fund is used as commercial loans.

Provident fund loans refer to personal housing provident fund loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to provide housing provident fund depositors and employees who purchase, construct, renovate, and overhaul self-occupied housing.

House mortgage loans issued to retired employees who have paid housing provident funds during the period.

2. Provident Fund Loan Processing Procedures: 1. The borrower applicant shall obtain the Housing Provident Fund Loan Application Approval Form from the entrusted bank and truthfully fill in the "Housing Provident Fund Loan Application Approval Form", and submit all required materials to the entrusted bank.

The entrusted bank will carefully investigate and verify the "Housing Provident Fund Loan Application Approval Form" filled out by the borrower and the materials provided to ensure that the content is complete and standardized, the documents are complete and valid, and the materials are authentic and legal.

2. After the entrusted bank has reviewed the borrower's various certificates and information, it will sign an opinion and indicate the time to submit it to the management center.

3. After the management center receives the application materials, according to the three-level approval system, the credit handling staff will first inspect, calculate, verify and sign the borrower's credit status. After being reviewed by the person in charge of the credit business department, they will report to the management center.

Approved by the person in charge.

Then issue an "Entrusted Loan Notice" to the entrusted sponsoring bank, clarifying the object, amount, term, interest rate, etc. of the loan, and at the same time transfer the entrusted loan funds to the sponsoring bank's account.

For those who do not meet the loan conditions, the entrusted bank will notify the borrower and explain the reasons.

2. How to repay Shanghai Pure Provident Fund in advance?

1. The housing provident fund loan early repayment processing place is the original housing provident fund loan lending bank outlet.

2. Application materials for early repayment of housing provident fund loans. The loan handling bank will notify the borrower to bring his ID card, proof of loan account number (including but not limited to: loan contract, statement, repayment plan, etc.) and repayment documents at the agreed time.

Go to the counter with your debit card to complete the early settlement procedures (and handle the withdrawal and repayment termination procedures of the corresponding loan).

3. Process for early repayment of housing provident fund loans. The borrower makes an appointment with the bank and the bank will respond after 7 working days. Arrange the specific processing time and go to the bank branch at the agreed time to handle the application and collect the information at the agreed time.

4. Time limit for early repayment of housing provident fund loans. After the loan is settled on the spot, the bank will return the borrower's corresponding information after 7 working days.

3. What is the process of provident fund loans in Shanghai? Can every bank apply for provident fund loans? To apply for provident fund loans in Shanghai, you need to apply to a bank. Large banks provide provident fund loan services, such as Bank of China, Shanghai Pudong Development Bank, etc.

Procedure for applying for a housing provident fund loan 1. Lenders applying for a housing provident fund loan must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the required information.

2. For loan applications with complete information, the bank will promptly accept and review them and report them to the Shanghai Provident Fund Center in a timely manner. The Shanghai Provident Fund Center is responsible for approving the loan and notifying the bank of the approval results in a timely manner.

3. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. The provident fund center will transfer the money after approval.

For entrusted loan funds, the entrusted bank will issue loans in full and on time as stipulated in the loan contract.

4. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the property mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife. If it is pledged with securities, the borrower must hand over the securities to the borrower.

The management department or alliance center will take custody and keep it.

Extension information Local housing provident fund management centers use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to provide housing provident fund depositors who purchase, construct, renovate, and overhaul self-occupied housing and retirees who have paid housing provident funds during their employment.

Home mortgage loans issued to employees.