One to three months. It takes one to three months to wait in line for a business-to-public transfer in Kunming. A business-to-public loan actually means that users who have applied for a commercial loan apply for a provident fund loan business with the local housing provident fund management center, and use the provident fund loan to repay part or all of the commercial loan. It is called a business-to-public loan, and the full name is a commercial housing mortgage loan to provident fund loan.