This requires consultation with the developer. If the developer agrees, he can wait a few months before applying for a loan. If the developer doesn't agree, there is no way. If you really want to buy, you can apply for a commercial loan first, and then transfer to a provident fund loan. This does not apply to all regions. You need to consult the local provident fund management center first to see if you support commercial loans to provident fund loans. The process is a bit complicated.

Provident fund loan conditions:

The borrower must meet all the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related certification materials;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8. Deposit conditions: the housing provident fund account has been established for more than 12 months (inclusive), and the housing provident fund has been fully paid for more than 12 months (inclusive) and is in the state of deposit when applying for a loan; Or the employer of the applicant is in a deferred payment state with the approval of the provident fund management center, but I meet the conditions of establishing a housing provident fund account 12 months or more and paying the housing provident fund in full 12 months or more; Or the loan applicant is a retired employee who has paid the housing provident fund during his working life (the maximum age is no more than 70 years old, and both retirement certificate and income certificate are required when applying).