How long it takes for housing provident fund loans depends on the total purchase price and the maximum amount approved by the local housing provident fund management center. In some places, the maximum amount of housing provident fund can only be 500,000, and the husband and wife can borrow 6,543.8+0,000 after the merger, with the longest service life of 20 years. In short, because the housing provident fund loan is a policy loan, the interest rate is low and the interest burden is low. For individuals with insufficient funds to purchase houses, housing provident fund loans are given priority, and loans from other commercial banks are combined.