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 does it take to approve provident fund loans?
Generally speaking, after the borrower submits the provident fund loan application, the housing provident fund center needs a period of approval to give the loan approval result. Moreover, because there are many local people applying for provident fund loans, it takes about 1-2 months for the housing provident fund center to queue up for review. After the audit is passed, the results are usually issued within one week.
After the loan is approved, the borrower still needs to bring personal data for face-to-face signing. After the face-to-face interview, the provident fund center needs a second approval, which usually takes about 15 days. After the second loan is approved, the provident fund center will also submit the loan application materials to the real estate center and go through the formalities of real estate mortgage, so it will take some time.
Generally speaking, it may take four or five months to complete the whole process from the borrower's submission of information to the provident fund center. If the borrower is in a hurry, he can go to the bank to apply for a pure commercial loan. If borrowers want to save more loan interest, they can wait patiently for the approval process of provident fund loans to be completed.
The time spent on the above-mentioned provident fund loan was obtained with the full information preparation and active cooperation of both parties. In addition, the approval time of different cities may be slightly different, depending on the time given by the provident fund management center of each city.
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Extended data:
How long does it take to approve the provident fund loan in different places?
To apply for an off-site provident fund loan, you must first submit an off-site loan application to the housing provident fund management center where you paid. The staff will confirm your application qualification and review the authenticity and accuracy of the submitted information. After confirmation, the certificate of deposit and use of housing provident fund for employees with loans from different places will be issued.
Then apply for a loan with relevant information to the housing provident fund management center where the house is purchased, and submit the information to the staff, who will review and evaluate the credit status of the house. At the same time, the housing provident fund management center of the deposit place will identify the loan situation in different places and establish a detailed account of the loan situation in different places.
And after the approval, the loan will be released. The above approval process takes about 20 to 25 working days, and the loan takes about one month. It can be seen that it usually takes one or two months from the submission of an application to the completion of approval and loan issuance.
Of course, we also need to pay attention to the fact that one or two months is still very smooth. If the bank is short of funds and busy with business, the loan may be delayed and take three to five months.
How long does it take to approve provident fund loans?
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 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.