(Please note that in certain situations,  what ,  when , and  where  can function as relative pronouns.) Relative pronouns introduce relative clauses, which are a type of dependent clause. Relative clauses modify a word, phrase, or idea in the main clause.
The 2014 Survey of Construction (SOC) from the Census Bureau shows that the average completion time of a single-family house is around 7 months, which usually includes around 25 days from authorization to start and another 6 months to finish the construction.
Traditional construction loans are short-term loans and are intended to be paid off as soon as the house has been completed. Instead of a 15 or 30 year term like most purchase money mortgages, a construction loan term generally is around 12 months. Most lenders will allow you to extend the pay off period if it is necessary because of unavoidable construction delays and other factors.