Legal analysis: Generally speaking, 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. If you apply for a provident fund loan, because the provident fund loan must be applied to the local provident fund management center, and then transferred to the local bank to apply for the loan, there are many procedures and processes for approval, and the approval time is slow, while the loan time of the provident fund loan is even slower, and it usually takes about 2-6 months to release the loan.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.