it usually takes about 3 months. Provident fund loan conditions: 1. On-the-job employees who have full civil capacity and pay the housing provident fund in full; 2, continuous normal deposit of housing provident fund for more than twelve months; 3, in the administrative area to buy, build self-occupied housing, and has paid the prescribed down payment ratio above the purchase price; 4. Personal credit is good, with stable economic income and the ability to repay loan principal and interest; 5. Agree to use the purchased house as collateral for the loan, or provide the guarantee approved by the management center. Procedures for handling provident fund loans: 1. Lenders need to submit a written application to the bank to fill in the application form for housing provident fund loans and truthfully provide the following information: (1) Proof of the applicant's and spouse's housing provident fund deposit; (2) Proof of identity of the applicant and spouse (referring to resident identity card, permanent residence booklet and other valid residence certificates) and proof of marital status; (3) Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) The list of collateral, pledge, ownership certificate and the certificate that the person with the right to dispose of it agrees to mortgage and pledge, and the certificate of collateral valuation issued by the relevant department; (VI) The Provident Fund Center requires a third-party guarantor to provide the guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract. (seven) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the examination in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results. 4. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the house property management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody. The best service in Tanggu Bairui Decoration Company will answer your questions.