It takes 18- 19 working days from the time when the lender applies for a housing provident fund loan from the lending bank with relevant information.

The bank conducts pre-loan audit, and after the audit is passed, it will be reported to the municipal housing provident fund management center for audit, which will be completed within 2 working days;

City housing provident fund management center to review the loan, completed in 1 working days;

After approval, the loan bank and the borrower sign a loan contract, which will be completed within 2 working days;

If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; If the pledge guarantee is selected, the bank shall go through the pledge formalities;

The loan bank will submit the borrower information to the municipal housing provident fund, which will be completed within 2 working days;

City housing provident fund management center to approve the loan materials, completed within 3 working days.

Summary: The time required for the approval of Changchun housing provident fund.