to know how long it will take to complete the provident fund processing, you need to know the specific process of handling provident fund loans. Lenders need to go to the bank to apply for housing provident fund loans, and fill in the application form for housing provident fund loans and provide the following materials: ID card, household registration book, original and photocopy of marriage certificate of the lender and spouse (if the lender is unmarried, unmarried certificate is required); Proof of deposit of the applicant's and spouse's housing provident fund; Proof of stable family income; Valid documents such as contracts and agreements for housing purchase; Collateral, pledge list, ownership certificate, certificate that the person with the right to dispose of it agrees to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; Other information required by the provident fund center. This step can be completed on the same day.

For loan applications with complete materials, the bank accepts the review, which usually takes 5 working days. After the bank has passed the examination, it will hand over the relevant information to the housing provident fund management center, which will be responsible for approving the loan, that is, conducting the preliminary examination, which will take about 5 working days. After the first trial is passed, the bank will notify the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. The borrower and his wife will sign the 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 review is passed, the customer needs to sign the guarantee contract at the management center and pay the guarantee fee. After all the above contents are completed, the entrusted bank will issue the loan in full and on time according to the loan contract. This process takes about 15 working days.

if the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the house property management department in the area 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 Union Center for custody. This process takes about 1 working days. Different places, different efficiency of relevant personnel will also affect the time spent on provident fund management.