Legal analysis: the loan application materials are complete, and the review time limit is no more than 10 working days; If the loan conditions are met, the loan period shall not exceed 5 working days after the mortgage registration is completed. The undertaking bank is responsible for reviewing and arranging the loan amount and issuing it in time.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.