1. The time limit for accepting and approving housing provident fund loans shall be completed within 10 working days;

2. The time limit for issuing loans should be completed within 5 working days;

3. The time limit for real estate mortgage registration shall be subject to the announcement of the real estate mortgage registration department of Lanzhou City.

Basic conditions for applying for housing provident fund loans:

The borrower has a legal and valid identity certificate and has not exceeded the statutory retirement age stipulated by the state; Housing provident fund deposit status is normal, and it has been paid in full for more than 6 months (inclusive) every month; Have a stable economic income and the ability to repay the principal and interest of loans; I and my spouse have good credit, and there are no outstanding records of housing provident fund loans and personal housing loans from commercial banks; Can provide effective guarantee approved by Lanzhou Provident Fund Center.

Repayment method of housing provident fund loan:

There are two repayment methods for housing provident fund loans: matching principal and interest repayment method and average capital repayment method. The borrower chooses the repayment method as needed, but a loan contract can only choose one repayment method.

Equal principal and interest repayment method: that is, equal repayment of loan principal and interest every month during the loan period.

Average capital repayment method: that is, the borrower needs to repay the same amount of principal in each period and pay off the loan interest payable in that period.