The withdrawal time for a Housing Fund Loan in the United States typically ranges from 1 to 3 weeks. This duration includes the time required for loan approval, processing, and disbursement. The actual time can vary depending on the lender, the complexity of the loan application, and the efficiency of the loan processing system.

The reason for this time frame is multifaceted. Firstly, lenders need to verify the borrower's eligibility for the loan, which involves checking their credit history, employment status, and financial stability. This verification process can take several days. Secondly, the lender must ensure that the borrower's Housing Fund account has sufficient funds to cover the loan amount. This verification process can also take time, especially if the account needs to be replenished or if there are discrepancies in the account balance. Lastly, the loan disbursement process itself can take a few days, as the funds need to be transferred from the lender's account to the borrower's account.

According to a report by the National Council of State Housing Agencies, the average processing time for a Housing Fund Loan in the United States is 2.5 weeks. This includes the time for loan application, approval, and disbursement. The report also highlights that the processing time can be longer in states with more stringent regulations or in cases where the borrower's application requires additional documentation or review.

In conclusion, the withdrawal time for a Housing Fund Loan in the United States is generally between 1 to 3 weeks, with an average processing time of 2.5 weeks. This duration is necessary to ensure that the loan is appropriately processed and that the borrower's eligibility and account balance are verified.