For portfolio loans (a combination of provident fund loans and commercial loans), after submitting the application, the housing provident fund management center and the handling bank will generally complete the examination and approval within 10 to 15 working days and issue the examination and approval results. If the speed is fast, it may be completed within a week; If the speed is slow, it may still be under review for more than two weeks.

Of course, sometimes things are delayed, and it may take longer. For example, customers who handle at the end of the year may need more than one month to complete the examination and approval when they meet the bank's year-end settlement.

And you can rest assured that when the audit results come out, customers will be informed whether they have passed the audit. After receiving the notice, the approved customer can sign the loan contract and go through the mortgage and other related procedures, which can be completed in about a week, and then enter the lending stage. And the loan usually arrives in a month or so.