Generally, when there are few approval documents, you can apply for loans on the same day, and it takes 3-7 working days to approve when there are many people in the queue. If you want to buy a house now, do you want to buy a second-hand house or a new house first? Second-hand housing loans need to be evaluated, and the down payment cannot be less than 30%. If your company has housing provident fund and wants to use housing provident fund loans, 30% down payment will be made for new house loans over 90 square meters, and 20% down payment will be made for loans under 90 square meters. You need to bring the down payment invoice, the purchase contract (sales license) and the letter of introduction issued by the development company to buy commercial housing. Take these procedures to the Qiqihar Housing Provident Fund Management Center to fill out the loan application form. Lending can only be made after the approval of the housing provident fund management center. The loan needs to take your house as collateral. After full repayment, I will give you a notice to cancel the mortgage, and you can take photos of the house when you get the prescription of the property right certificate!