Housing loans can be used not only commercial loans, but also provident fund loans. Some people use comprehensive loans that combine provident fund and commercial loans. If you use provident fund loans, you need to meet the conditions of provident fund loans. If the account is established for more than one year, they need to have a record of continuous payment of provident fund for six months.

Commercial loan is a loan method that people often use. It is necessary to meet the loan requirements of the bank, have stable economic income and good credit, and the applicant has the ability to repay the principal. Having assets approved by the lending bank for mortgage or pledge, and providing other supporting documents required by the lending bank.

When applying for a loan, you need to prepare materials, whether it is a provident fund loan or a commercial loan, ID card, household registration book, marriage certificate, and proof of income. The bank will give the corresponding template, and the company can stamp it after filling it out, mainly depending on the individual's income.