It takes almost 2 months to use a provident fund loan from beginning to end, but the most important thing depends on your local policies:

1. The purchase and sale price has been negotiated, and the housing management bureau purchase and sale agreement has been signed. The contract, "Professional terms called delivery", sends the property ownership certificate to the housing authority transaction center for transfer. There is a pick-up list with the pick-up time, which means that the title is in the name of the buyer. It takes about 25 working days

2. After obtaining the new property ownership certificate, go to the Provident Fund Management Center to apply for a Provident Fund loan and fill out the application form. The Provident Fund Management Center will complete the approval in about one month. Banks can lend money.

It takes almost 2 and a half months from the transfer of property rights to the bank loan.

Provide information: ID card, household registration book, property rights certificate. Marriage certificate. The provident fund application form must be stamped by your employer. In some places, an appraisal report is waived, while in others, it depends on the bank.