According to the current situation, in fact, employees who directly use provident fund loans do not need to provide proof of income to apply, but for portfolio loans, the nature of the provident fund system and commercial banks has been involved, so when applying for loans, they still need to submit proof of income and other materials. "Regulations on the Management of Housing Provident Fund" Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.