It takes about 15 to 20 working days to handle the unified transfer at the bank counter. Unified transfer process for bank counter application: the borrower submits the application 1 working day. The pre-loan review of bank operations will be completed within 2 working days. The municipal housing provident fund management center will review the loan operation and complete it within 1 working day. After approval, the loan bank and the borrower sign a loan contract, which will be completed within 2 working days. Go through the formalities of guarantee mortgage and complete it within 6 working days. The provident fund management center shall examine and approve the loan materials within 3 working days. It takes 1 working day for the bank to handle the transfer formalities.