Legal analysis: It usually takes three weeks to approve the mortgage. The borrower shall apply for a loan directly from the lender. The lender shall give the borrower a formal reply within three weeks from the date of receiving the loan application and the materials that meet the requirements. After approval by the lender, the lender shall issue housing loans to the borrower in accordance with relevant regulations.

Legal basis: Article 7 of the Measures for the Administration of Individual Housing Loans, the borrower shall directly apply to the lender for a loan. The lender shall give the borrower a formal reply 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.