If you want to know how long it will take to complete the provident fund, 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, 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 housing provident fund of the applicant and spouse; Proof of stable family income; Valid documents such as purchase contract and agreement; Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition 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 the loan application with complete materials, it usually takes 5 working days for the bank to accept the review. After the approval of the bank, the relevant information will be handed over to the housing provident fund management center, which will be responsible for approving the loan, that is, the preliminary examination will take about 5 working days. After passing the preliminary examination, the bank will notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval, the customer needs to sign a guarantee contract in 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 borrower has a mortgage, he shall go through the mortgage registration formalities with the property right 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. This process takes about 10 working days. In different places, the different efficiency of relevant personnel will also affect the time spent on provident fund management.