Slow down. After an individual applies for a mortgage loan, most banks will lend money 1-2 months after signing the loan. If the bank is short of money, such as applying for a loan at the end of the year, the time for lending will be slower, which may take about 2-5 months. How long the mortgage can be extended depends on whether it is a commercial loan or a provident fund loan. If it is a commercial loan, generally speaking, the loan time is relatively fast, and most of it can be lent in 1-2 months.