Compared with ordinary commercial loans, provident fund loans are relatively cumbersome in procedures. First, the applicant must meet the conditions for applying for a loan, and the employer provides relevant information, and the lender makes relevant inquiries and applications at the housing provident fund management center. The procedure is complicated, and the specific time of this process mainly depends on the lender's own grasp. To apply for a new housing provident fund loan, the developer needs to go through the filing procedures of the corresponding loan property in the real estate bureau and the provident fund center. Only after successful filing can you apply for provident fund loans, and unregistered properties cannot apply for provident fund loans. It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage.