The correct answer is: Option C Answer Analysis: According to Article 7 of the Measures for the Administration of Individual Housing Loans of the People's Bank of China, the borrower shall directly apply for a loan from the lender. The lender shall give a formal reply to the borrower within 3 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.