1. Self-built or renovated housing: If users do not have enough funds to build or renovate their own housing, they can apply to the local housing provident fund management center for self-built or renovated housing loans.
2. Consumer loans: The provident fund can be used to pay for other large-scale consumption, such as car purchase, home decoration or jewelry purchase. However, the application conditions and interest rates of consumer loans may be different from those of housing loans.
3. Personal business loan: If the user is a small and micro enterprise owner or freelancer and needs funds to expand business or meet other needs, you can consider applying for personal business loan.