Legal analysis: it usually takes 3 to 4 months for a provident fund loan bank to lend money. The bank shall notify the applicant to handle the loan formalities according to the approval result of the provident fund. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund for review. After the provident fund is approved, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.