If there is, it may be that the approval of provident fund loans is slow, and sometimes it may take as long as four or five months, and the procedures are cumbersome.

If you don't even submit the information to the provident fund center, it is that the developer deliberately dragged it. There are two reasons for the delay. One reason is to deliberately postpone doing it for you so that you can make a business loan when you are in a hurry. Operating a loan is very simple (of course, this possibility is relatively small, after all, it will come down soon). The other is that the developer did not go through the formalities in the provident fund center, so the property cannot be used for provident fund loans, so it has been detained.

If there is no pre-sale certificate,

That's illegal sales. You can't apply for provident fund loans, or even commercial loans. It can only be handled after obtaining the pre-sale certificate.

I hope this helps.