To know how long it takes to complete the processing of provident fund, you need to know the specific process of processing provident fund loans. Lenders need to go to the bank to apply for housing provident fund loans, and fill out fill out the housing provident fund loan application form and provide the following materials: the lender and the spouse's identity card, household registration book, the original and copy of the marriage certificate (if the lender is unmarried then you need to provide a certificate of unmarriage); the applicant and the spouse of the housing provident fund payment certificate; the family stable proof of income; the purchase of housing contracts, agreements and other valid supporting documents;. A list of collateral and pledge used for guarantee, proof of ownership and a certificate of consent to mortgage or pledge by the person with the right to dispose of the collateral, and a certificate of valuation of the collateral issued by the relevant department; and other information required by the CPF center. This step can be completed on the same day.

The bank accepts the application for a loan with all the documents, and this step generally takes five working days. After the bank's review, it will transfer the relevant information to the housing fund management center, which will be responsible for approving the loan, that is, conducting the preliminary examination, a process that will take another five working days or so. After passing the preliminary examination, the bank will notify the applicant to apply for the loan according to the result of the examination and approval by the CPF Center. The borrower and his/her husband and wife will sign the loan contract and related contracts or agreements with the bank and send the loan contract and other formalities to the CPF Center for review, and then the customer will need to go to the Center for signing the guarantee contract and paying the guarantee fee after the review is passed. After all of the above is completed, the trustee bank will issue the loan in full and on time as agreed in the loan contract. This process takes about 15 working days.

In the case of a housing mortgage, the borrower has to go to the housing property management department in the area where the house is located to apply for the registration of the property mortgage, and the mortgage contract or agreement is signed by both husband and wife, and in the case of a pledge of marketable securities, the borrower has to hand over the marketable securities to the management department or allied centers for safekeeping. And this process takes about 10 working days. Different places and the efficiency of the people involved will also affect the time taken to process the provident fund.

The process of loan is further categorized into primary home loan process and secondary home loan process.

The process for a first-hand house is as follows: the applicant and **** with the applicant in the home page inquiry box "pre-sale properties available for CPF loan inquiry" section to make inquiries, and after the inquiry is completed, contact the bank branch. After accepting the application at the trustee bank branch, the applicant will submit the relevant information to the Housing Provident Fund Management Center. Generally within 5 working days, the management center will make a decision on the loan application submitted by the trustee bank. After the approval by the Management Center, the lender and the trustee bank sign the contract. Finally the lender receives the documents and the CPF loan is completed.

The process of second-hand housing loan is as follows: the borrower logs on to the official website and clicks on the "Business Appointment" module, fills in the relevant information and then makes an appointment for the time and place of processing. Lenders with the required information to. Provident fund management center office hall, the management center to accept the materials and approval, waiting for the approval results. After getting the result, the lender goes to the bank's resident counter in the office hall of the center's management department to sign the contract. After that, they will wait for the approval of the trustee bank, after the approval, the lender meets the trustee bank for the relevant lending procedures, and the trustee bank disburses the loan. Finally, the lender should go to the central management department office hall bank counter to collect the information.