Not all self-built houses are eligible for provident fund loans. Self-built houses used for loans must have not only real estate licenses, but also land use certificates. Only when the two certificates are complete will the bank give the borrower a loan.

Self-built housing provident fund loan process:

1. Submit a loan application; 2, the loan officer audit. 3. Approved by the management department; 4. Apply for mortgage guarantee; 5. sign a contract; 6. Sign IOUs and issue loans.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where loans are issued, the entrusted bank shall go through the loan procedures. The risk of housing provident fund loans shall be borne by the housing provident fund management center.