Portfolio loans refer to provident fund loans and commercial loans, and the lending time is generally three months. I don't know when you submitted your application. The general provident fund is really slow, and the normal time is about 3 months. When the provident fund comes down, commercial loans will be fine for a week. Some commercial banks need to see the mortgage certificate before they can lend money. In the process of handling provident fund loans, they need to evaluate the houses they buy before they can go to the construction Committee to sign online.