Decoration can use provident fund loans. The loan application conditions are as follows: 1. The lender must have a permanent residence in the town or a valid residence status; 2. Push forward from the date of application, and pay the housing provident fund 12 months or more in full, where both husband and wife pay the provident fund, only one person is allowed to borrow; 3, in accordance with laws and regulations of the purchase, construction, renovation of housing contracts and related materials; 4. There is a certain proportion of self-raised funds. 5. The income certificate issued by the employer proves that it has a stable economic income and the ability to repay the principal and interest of the loan.

Legal objectivity:

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.