After the preliminary review of provident fund, it can be completed in one day. At present, it is basically completed in one day.
To apply for provident fund loan, from preliminary review to face to face, you need:
1. Municipal: 10-15 working days;
2. State Administration: The evaluation report will be issued within 10-15 working days after the evaluation, and then the loan will be approved within 10 working days after the initial review.
Approval process and time:
It will take 18-19 working days for the borrower to apply for housing provident fund loan at the lending bank with relevant materials until the loan is transferred to the lending bank. Including:
① The loan application (fill in the housing provident fund loan application form) is completed on the same day;
② The bank shall conduct pre loan review, and report to the Municipal Housing Provident Fund Management Center for review after approval, which shall be completed within 2 working days.
③ The Municipal Housing Provident Fund Management Center shall review the loan and complete it within one working day.
④ After passing the review, the loan bank will sign a loan contract with the borrower and complete it within 2 working days.
⑤ If guarantee guarantee is selected, the guarantee company shall go through the counter guarantee mortgage procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall complete mortgage insurance procedures within 7 working days; If pledge guarantee is selected, the bank shall handle the pledge procedures.
⑥ The loan bank shall submit the borrower's information to the municipal housing provident fund and complete it within 2 working days.
⑦ The Housing Provident Fund Management Center shall approve the loan materials and complete the approval within 3 working days.
⑧ The borrower shall go to the lending bank to handle the transfer procedures, which shall be completed within 1 working day.
