Go to the provident fund center to submit the materials
Publish: 2021-05-02 19:18:22
1. Within 15 working days after receiving the loan application materials from customers, complete the approval proceres for qualified loan applications. Provident fund center will inform customers of the loan approval process in the form of SMS
after the final approval of the provident fund loan, the bank needs to wait for the loan funds of the provident fund center to arrive, and then make the loan according to the loan list of the provident fund center
the main reasons that affect the lending speed are as follows:
1. Incomplete customer information
2. The developer did not send the commercial housing sales record form to the bank in time, and the bank was unable to complete the real estate mortgage proceres in time
3. The fund of provident fund center is not in place.
after the final approval of the provident fund loan, the bank needs to wait for the loan funds of the provident fund center to arrive, and then make the loan according to the loan list of the provident fund center
the main reasons that affect the lending speed are as follows:
1. Incomplete customer information
2. The developer did not send the commercial housing sales record form to the bank in time, and the bank was unable to complete the real estate mortgage proceres in time
3. The fund of provident fund center is not in place.
2. The time when the provident fund is withdrawn to the account is 3-5 working days after the proceres are completed< According to relevant regulations, the following conditions should be met:
(1) the unit where the employee belongs and the employee himself / herself should deposit the housing provident fund in full every month
(2) in line with the provisions of Article 24 of the regulations on the administration of housing Provident Fund:
1. Purchase, construction, renovation and overhaul of self occupied housing; Among them, "purchase" means that employees buy houses and own the ownership of the houses they buy. Houses can be public housing, commercial housing, affordable housing and second-hand housing“ "Construction" refers to the construction of houses by urban residents with the approval of the real estate administration, urban planning administration and other departments“ "Redevelopment" refers to the demolition, design and reconstruction of houses“ Overhaul "refers to the need to move or replace part of the main components of the housing, but not all of the housing
2. Employees are retired or retired
3. Employees have completely lost the ability to work and terminate the labor relationship with the unit
4. Employees who settle abroad
5. Employees who repay the principal and interest of house purchase loan
6. Rent exceeds the specified proportion of family wage income
7 If an employee dies or is declared dead,
the proceres for withdrawing the housing provident fund are as follows:
(1) first, apply to the unit. After the unit reviews the relevant certificates submitted by the indivial, if the conditions are met, the unit shall fill in the approval form for withdrawing the housing provident fund and affix the reserved seal
(2) the handling personnel or indivial employees of the unit shall, together with the original and of relevant supporting materials, submit the approval form for indivial withdrawal of the provident fund to the provident fund center (hereinafter referred to as the provident fund center for opening an account) which establishes the housing provident fund account for the unit for approval. After the provident fund center completes the approval and entry business, the special seal for approval of provident fund shall be stamped on the approval form for indivial withdrawal of provident fund filled in by the unit
(3) the handling personnel or indivial employees of the unit shall handle the transfer business at the provident fund center where the account is opened by holding the approval form for indivial withdrawal of provident fund approved by the provident fund center and the "transfer voucher of housing provident fund management center" filled in and signed by the unit, and the provident fund center shall transfer the housing provident fund applied by the employees to the basic settlement account of the unit, The unit shall withdraw and pay to the employees.
(1) the unit where the employee belongs and the employee himself / herself should deposit the housing provident fund in full every month
(2) in line with the provisions of Article 24 of the regulations on the administration of housing Provident Fund:
1. Purchase, construction, renovation and overhaul of self occupied housing; Among them, "purchase" means that employees buy houses and own the ownership of the houses they buy. Houses can be public housing, commercial housing, affordable housing and second-hand housing“ "Construction" refers to the construction of houses by urban residents with the approval of the real estate administration, urban planning administration and other departments“ "Redevelopment" refers to the demolition, design and reconstruction of houses“ Overhaul "refers to the need to move or replace part of the main components of the housing, but not all of the housing
2. Employees are retired or retired
3. Employees have completely lost the ability to work and terminate the labor relationship with the unit
4. Employees who settle abroad
5. Employees who repay the principal and interest of house purchase loan
6. Rent exceeds the specified proportion of family wage income
7 If an employee dies or is declared dead,
the proceres for withdrawing the housing provident fund are as follows:
(1) first, apply to the unit. After the unit reviews the relevant certificates submitted by the indivial, if the conditions are met, the unit shall fill in the approval form for withdrawing the housing provident fund and affix the reserved seal
(2) the handling personnel or indivial employees of the unit shall, together with the original and of relevant supporting materials, submit the approval form for indivial withdrawal of the provident fund to the provident fund center (hereinafter referred to as the provident fund center for opening an account) which establishes the housing provident fund account for the unit for approval. After the provident fund center completes the approval and entry business, the special seal for approval of provident fund shall be stamped on the approval form for indivial withdrawal of provident fund filled in by the unit
(3) the handling personnel or indivial employees of the unit shall handle the transfer business at the provident fund center where the account is opened by holding the approval form for indivial withdrawal of provident fund approved by the provident fund center and the "transfer voucher of housing provident fund management center" filled in and signed by the unit, and the provident fund center shall transfer the housing provident fund applied by the employees to the basic settlement account of the unit, The unit shall withdraw and pay to the employees.
3.
Hello! You can take your ID card to the housing provident fund loan acceptance network or housing provident fund service window where you submit the loan information to inquire about the loan approval progress
the general provident fund management center will complete the approval proceres for qualified loan applications within 15 working days after receiving the loan application materials from customers. Provident fund center will inform customers of the loan approval process in the form of SMS
after the final approval of the provident fund loan, the bank needs to wait for the loan funds of the provident fund center to arrive, and then make loans according to the loan list of the provident fund center. shzyshange44
4. Hello, I worked in Beijing Provident Fund Management Center. Let me answer your question
If I understand your situation correctly, it should refer to the number of working days between the submission of each person's identity review and the face-to-face signing of the loan contract, which depends on whether your materials are complete and whether your real estate evaluation is fast enough, which determines the final date of your face-to-face signing
according to the normal procere, the slowest time for an applicant to apply for a provident fund loan is one month, and the fastest time is two weeks. The middle process is qualification examination (check the ID card, account book, down payment invoice, ecation background, etc. of you and your spouse [if any] or co applicant [if any]) Degree and other original documents that are helpful to your credit, and then check your deposit status to see if loan is allowed) - preliminary examination (the computer system fills in all the information about you and your spouse [if any] or co applicant [if any]. The specific information is not shown here, Issue the audit notice and other documents) - Housing appraisal (the appraisal company will collect your real estate without certificate and other supporting materials, and the second-hand housing certificate will also be collected by the appraisal company) - Review (the housing appraisal report will be transferred to the management center, and the management center will review your application materials, and more than 95% of them are OK, The management center will make corresponding review materials again) - Guarantee Center (print guarantee contract, review your information and feed it back to the management center) - print contract (in the management center, staff will print and bag a series of contracts such as loan contract, Waiting for face-to-face signature) - face-to-face signature (the management center will ask you to face-to-face signature) - Loan (all materials after face-to-face signature will be transferred to the lending bank, and the bank will make a one-time loan after approval)
so there are still some uncertain factors in each link, so it's normal to make loans from half a month to one month, and the cycle seems to be very long, so many real estate developers do not allow customers to make provident fund loans. In other words, 10 days is the normal time for the submission of materials to face-to-face signature. The qualification examination and preliminary examination are considered as 1 day. The assessment should take at least 3-5 days, the review should take 1 day, and the guarantee should take another 3-5 days. The happiest 10 days is to inform you
If I understand your situation correctly, it should refer to the number of working days between the submission of each person's identity review and the face-to-face signing of the loan contract, which depends on whether your materials are complete and whether your real estate evaluation is fast enough, which determines the final date of your face-to-face signing
according to the normal procere, the slowest time for an applicant to apply for a provident fund loan is one month, and the fastest time is two weeks. The middle process is qualification examination (check the ID card, account book, down payment invoice, ecation background, etc. of you and your spouse [if any] or co applicant [if any]) Degree and other original documents that are helpful to your credit, and then check your deposit status to see if loan is allowed) - preliminary examination (the computer system fills in all the information about you and your spouse [if any] or co applicant [if any]. The specific information is not shown here, Issue the audit notice and other documents) - Housing appraisal (the appraisal company will collect your real estate without certificate and other supporting materials, and the second-hand housing certificate will also be collected by the appraisal company) - Review (the housing appraisal report will be transferred to the management center, and the management center will review your application materials, and more than 95% of them are OK, The management center will make corresponding review materials again) - Guarantee Center (print guarantee contract, review your information and feed it back to the management center) - print contract (in the management center, staff will print and bag a series of contracts such as loan contract, Waiting for face-to-face signature) - face-to-face signature (the management center will ask you to face-to-face signature) - Loan (all materials after face-to-face signature will be transferred to the lending bank, and the bank will make a one-time loan after approval)
so there are still some uncertain factors in each link, so it's normal to make loans from half a month to one month, and the cycle seems to be very long, so many real estate developers do not allow customers to make provident fund loans. In other words, 10 days is the normal time for the submission of materials to face-to-face signature. The qualification examination and preliminary examination are considered as 1 day. The assessment should take at least 3-5 days, the review should take 1 day, and the guarantee should take another 3-5 days. The happiest 10 days is to inform you
5. 1、 Materials required for housing provident fund loan:
household register of the borrower and his / her spouse
resident identity cards of the borrower and his / her spouse
proof of the borrower's marital status
proof of down payment for house purchase
the credit status report of the borrower and his / her spouse printed by the bank
housing sales contracts or agreements that meet the legal requirements< Second, the conditions for handling housing provident fund
1. Indivials and their units must continuously pay the housing provident fund for at least one year< The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan
3. If the borrower purchases a commercial house, the total price of the house must not be less than 30%< Third, the housing provident fund processing process:
1. The lender prepares the relevant information, fills in the loan application in the bank, and submits the materials
2. After receiving the application, the lending bank confirms and reviews the information
3. After the audit, the lending bank contacts the lender and signs the relevant contract
4. When the bank lends money, the lender performs the repayment responsibility.
household register of the borrower and his / her spouse
resident identity cards of the borrower and his / her spouse
proof of the borrower's marital status
proof of down payment for house purchase
the credit status report of the borrower and his / her spouse printed by the bank
housing sales contracts or agreements that meet the legal requirements< Second, the conditions for handling housing provident fund
1. Indivials and their units must continuously pay the housing provident fund for at least one year< The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan
3. If the borrower purchases a commercial house, the total price of the house must not be less than 30%< Third, the housing provident fund processing process:
1. The lender prepares the relevant information, fills in the loan application in the bank, and submits the materials
2. After receiving the application, the lending bank confirms and reviews the information
3. After the audit, the lending bank contacts the lender and signs the relevant contract
4. When the bank lends money, the lender performs the repayment responsibility.
6.
Because after the submission of information to audit, audit period is to see the completeness of information, so it is generally 10 to 15 working days to the account
materials required for housing provident fund loan:
-
household register of the borrower and his / her spouse
-
resident identity cards of the borrower and his / her spouse
-
proof of the borrower's marital status
-
proof of down payment for house purchase
-
the credit status report of the borrower and his / her spouse printed by the bank
-
the house sales contract or agreement in line with the law
< / OL > -
indivials and their units must continuously pay housing provident fund for one year
-
the borrower has stable economic income, good credit and the ability to repay the loan principal and interest
-
if the borrower purchases a commercial house, it must have no less than 30% of the total house price
< / OL > -
the lender prepares relevant information, fills in the loan application at the bank, and submits materials
-
after receiving the application, the loan bank will confirm and review the information
-
after the audit, the lending bank contacts the lender and signs relevant contracts
-
when the bank lends money, the lender performs the repayment responsibility
conditions for handling housing provident fund:
housing provident fund processing process:
7. Yes···
8. Housing provident fund inquiry:
personal housing provident fund can be inquired if they have ID card, and if they know the provident fund account number, they can also be inquired
1. Personal ID card and provident fund card can be inquired at the provident fund management center
two, check the amount of housing provident fund online with ID number or provident fund account:
1, login to the website of the local housing fund center, find the column of "indivial housing provident fund query", find and click in; Br />2, click on the login interface, login mode choose "ID number" login, enter ID number, if you know the provident fund account can also enter the provident fund account, password generally default by six 1;
3. After entering the personal account, click the provident fund details query to see the amount on the card.
personal housing provident fund can be inquired if they have ID card, and if they know the provident fund account number, they can also be inquired
1. Personal ID card and provident fund card can be inquired at the provident fund management center
two, check the amount of housing provident fund online with ID number or provident fund account:
1, login to the website of the local housing fund center, find the column of "indivial housing provident fund query", find and click in; Br />2, click on the login interface, login mode choose "ID number" login, enter ID number, if you know the provident fund account can also enter the provident fund account, password generally default by six 1;
3. After entering the personal account, click the provident fund details query to see the amount on the card.
9. It takes 18-19 working days for the borrower to apply for housing provident fund loan from the loan bank with relevant information to the loan bank. Among them:
① the loan application (fill in the housing provident fund loan application form) is completed on the same day
② the bank shall conct 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 reviews the loan and completes it within one working day
④ after the approval, the loan bank and the borrower sign the loan contract, which is completed within 2 working days
⑤ if the guarantee is selected, the counter guarantee mortgage proceres shall be handled by the guarantee company and completed within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance proceres and complete them within 7 working days; In case of pledge guarantee, the bank shall go through the pledge proceres< (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 municipal housing provident fund management center will approve the loan materials within 3 working days< (8) the borrower shall go to the loan bank to handle the transfer proceres, which shall be completed within one working day.
① the loan application (fill in the housing provident fund loan application form) is completed on the same day
② the bank shall conct 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 reviews the loan and completes it within one working day
④ after the approval, the loan bank and the borrower sign the loan contract, which is completed within 2 working days
⑤ if the guarantee is selected, the counter guarantee mortgage proceres shall be handled by the guarantee company and completed within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance proceres and complete them within 7 working days; In case of pledge guarantee, the bank shall go through the pledge proceres< (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 municipal housing provident fund management center will approve the loan materials within 3 working days< (8) the borrower shall go to the loan bank to handle the transfer proceres, which shall be completed within one working day.
Hot content