Three weeks. According to Article 7 of the Measures for the Administration of Individual Housing Loans, the borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

The loan amount issued by the lender shall not exceed the value of the purchased house assessed by the real estate appraisal agency. After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.

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Relevant requirements for individual housing loans:

1. Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.

2. If the borrower fails to provide the mortgage (pledge) in full, the third party recognized by the lender shall provide joint liability guarantee. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan on his behalf and open a deposit account in a bank.

3. If the guarantor is a natural person, he must have a fixed source of income, have sufficient compensation capacity and have a certain deposit in the loan bank.

Audit links related to bank loans

1. The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different locations, different environments and different locations in the city determine whether they meet the loan conditions. The type and age of real estate are all factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company.

2. Audit the borrower's ability Secondly, for the loan applicant himself, income source, family status, social background, credit history, etc. Are the targets that banks need to audit.

3. Second-hand houses need guarantee from guarantee companies. If it is a second-hand housing transaction, the participation of guarantee companies is essential. Formal and professional guarantee companies, with excellent qualifications, will bring more protection for the success of buyers' loans.