One month if it is fast, three to five months if it is slow. You have to provide a lot of application materials to the bank first, and then the bank will review it. If there is no problem after the audit, sign a loan contract and lend you money. However, this is not completely completed. Contracts need to be insured and notarized. Banks are often handled in batches, so it will take some time to complete all the procedures. Anyway, it is quite troublesome to apply for a mortgage in Hanzhong. It might be easier if you have acquaintances in the bank. I hope it helps you.