1. In case of provident fund loan (without reconsideration), 7 yuan is required for approval after submitting the materials.
2. After approval, the general lending time is the transfer transaction after waiting for approval, and it takes about 7~ 10 days after the transfer transaction is completed.
3. If the real estate with bank loans is bought and sold by means of fund supervision, the provident fund loan can be directly credited to the fund supervision account after approval, regardless of whether the original house has a loan or not, the loan will be credited to the fund supervision account first. Lend money about 3 days after the transfer formalities are completed.
The use of the common provident fund needs to comply with the provisions of Article 24 of the Regulations on the Administration of Housing Provident Fund:
1, purchase, build, renovate and overhaul owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house.
2. Employees retire;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. Leave the country and settle down;
5. Repay the principal and interest of the house purchase loan;
6, the rent exceeds the prescribed proportion of family wage income;
7. The employee dies or is declared dead.