Take a city as an example: it takes 15 working days for the borrower to apply for a loan from the housing provident fund management center to the management center for approval.
After approval, the housing provident fund management center will submit it to the undertaking bank for review, and the real estate development enterprise will handle the mortgage, pay the deposit, and the borrower will sign an iou to open an account (the time required for the whole process is determined by the borrower, the undertaking bank and the development enterprise, and the housing provident fund management center has the right to follow up and supervise). The undertaking bank applies to the management department, and the management center examines and issues loans. Order of loan issuance: firstly, guarantee the loan issuance of second-hand houses and existing houses in the first suite, and secondly, guarantee the loan issuance of second-hand houses and existing houses in the second suite, and implement the waiting system for the completion time of other second-hand houses and forward houses and the time for borrowers to apply for loans (although the loan plan has been used up this year, it has not stopped the loan issuance of provident fund, so it will not affect the purchase of houses by paid employees).