How long does it take for Ningbo provident fund to make a loan?

1. How long does it take for Ningbo provident fund loan?

The loan time of housing provident fund is as follows:

Local hukou holders can apply for provident fund loans after 6 months of continuous payment.

For foreign hukou, you need to pay 12 months continuously before you can apply for provident fund loans;

Due to special circumstances such as job changes and normal remittance, after the missed month is paid off, apply to the loan acceptance agency for reconsideration of the provident fund loan. If the reconsideration is passed,

Provident fund loan.

2. How long will it take for Ningbo housing provident fund to repay the provident fund loan?

You can apply for a housing provident fund loan if you have paid the housing provident fund continuously for more than six months.

Housing provident fund loan process:

1. Lenders need to submit a written application to the bank to apply for housing provident fund loans;

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3 provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife shall sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract;

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

3. How long does it take for Ningbo provident fund loan?

The loan time of housing provident fund is as follows: local accounts need to be deposited continuously for 6 months, and they can apply for provident fund loans; For foreign hukou, you need to pay 12 months continuously before you can apply for provident fund loans; If the account is not paid continuously due to special circumstances such as job changes, you can apply to the loan acceptance institution for reconsideration of the provident fund loan after the normal remittance is resumed and the missed payment month is paid back. If the reconsideration is passed, you can apply for a provident fund loan.

Four, Ningbo housing provident fund loan policy

Ningbo Housing Provident Fund Management Center stipulates that the maximum amount of provident fund loans is 800,000 yuan; If the applicant purchases the first suite, the down payment shall not be less than 30% of the house price; If the applicant purchases a second-hand house or a house with state-owned allocated land, the down payment shall be 40% of the house price; If the applicant purchases a second suite, the down payment shall not be less than 60% of the house price. And pay attention to the following points: 1. Applicants who apply for provident fund loans in Ningbo must continuously pay the provident fund 1 year or more in Ningbo; 2. The applicant must have a permanent residence in Ningbo or a valid residence certificate; 3. If the applicant purchases the first suite, the down payment shall not be less than 30% of the house price; If the applicant purchases a second-hand house or a state-owned land-based house, the down payment shall be 40% of the house price; If the applicant purchases a second suite, the down payment shall be no less than 60% of the house price, and the interest rate will rise10% on the basis of the first suite provident fund loan interest rate in the same period; If the applicant purchases affordable housing, the down payment shall not be lower than the house price. 4. If the applicant has applied for provident fund loans before when applying for provident fund loans, the applicant must repay the previous loans when applying for provident fund loans again; 5. Ningbo Housing Provident Fund Management Center stipulates that the maximum amount of provident fund loans is 800,000 yuan; 6. If you apply for provident fund loans for the purchase of owner-occupied housing, the longest loan period is 20 years; If the house is rebuilt, built or overhauled, the longest loan period is 10 year. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees.