The time should be decided according to the actual situation. Generally, the loan time of Shanghai provident fund is about 15 working days, but the specific loan time is uncertain. It should be decided according to the adequacy of the quota of the local provident fund center, the progress of the relevant procedures and the completeness of the applicant's materials. Don't worry.

The process is as follows:

1. First, the bank should review it, and then report it to the provident fund management center for review.

2, and then wait for the local housing provident fund management center to review the application;

3. After approval, the loan bank may sign a contract with the applicant;

4. Next, the guarantee company is responsible for the guarantee procedures;

5. Then the loan bank will send the payer's information to the housing provident fund management center;

6, and then send the loan materials to the local housing provident fund management center for approval;

7. After completing the above operations, the borrower can go to the bank for withdrawal procedures.