Provident fund loans generally take 3 to 4 months for banks to lend money. The bank shall notify the applicant to handle the loan formalities according to the approval result of the provident fund. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund for review. After the provident fund is approved, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.