Let's start with your income certificate. The housing provident fund is paid by your current unit, but your fake income in other companies proves that the two units are inconsistent, which will definitely affect your provident fund loan. The income certificate and the payment unit of the provident fund must be consistent, otherwise the approval of the provident fund will not pass. As for you, you can't get a provident fund loan until June next year after signing the house purchase contract. You can communicate with the developer here, but generally you can, just delay the delivery. (Guangzhou Jingyu Mortgage)