It usually takes about two weeks to complete the provident fund loan house mortgage disbursement.

Housing provident fund loans refer to housing mortgage loans that are issued by local housing provident fund management centers using the housing provident funds paid by employees and their units and entrusting commercial banks to employees who have paid housing provident funds and retired employees who have paid housing provident funds during their employment.

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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 and their employees.

The housing provident fund paid by employees and the housing provident fund paid by the employee's unit for employees are personal savings deposited by employees in accordance with regulations and specifically used for housing consumption expenditures, and belong to the individual employees.

When an employee retires, the principal and interest balance will be paid in one lump sum and returned to the employee himself.

To apply for a housing provident fund loan, a lender must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: (1) Housing provident fund deposit certificate of the applicant and his or her spouse; (2) Identity certificate of the applicant and his or her spouse (referring to residents)

ID card, permanent residence booklet and other valid residence documents), documents proving marital status; (3) Proof of stable economic income of the family and other proofs of claims and debts that have an impact on repayment ability; (4) Valid contracts and agreements for purchasing a house, etc.

Certification documents; (5) Collateral used for security, list of pledges, ownership certificate and proof that the person with disposal rights agrees to mortgage and pledge, and collateral valuation certificate issued by the relevant department; (6) Provident Fund Center requires a third party

The guarantor provides guarantee and pays the guarantee fee, and the borrower, lender and third-party guarantor sign a three-party contract.

(7) Other information required by the Provident Fund Center: For loan applications with complete information, banks will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

The Provident Fund Center is responsible for approving loans and notifying banks of the approval results in a timely manner.

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. After approval by the Provident Fund Center, the entrusted loan will be allocated.

Fund, the trustee bank will issue loans in full and on time as stipulated in the loan contract.

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 management department.

Or the alliance center will keep it for safekeeping.