After the mortgage certificate is completed, the provident fund loan will generally be released within 15 working days. However, the policies and banking policies of provident fund management centers in different regions are different, and there will be some differences. It is recommended to contact the provident fund management center to determine the time, which is subject to the release time.

The general process of provident fund loans is as follows:

The borrower can submit a written application for housing provident fund loan to the loan bank and submit relevant materials, and the loan bank will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;

The borrower approved by the housing provident fund management department shall sign the loan contract and guarantee contract with the loan bank, and handle the mortgage registration, insurance, notarization and other related procedures;

According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;

The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;

After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.