If you don't buy a house, you can't get a loan. Housing provident fund is a special fund for commercial housing loans and housing management, and cannot be used for loans for other purposes. As the name implies, housing accumulation fund is related to housing, used for house purchase and decoration, and has no direct relationship with housing. You can apply for a commercial loan, and then take out the provident fund to repay the commercial loan. If you don't buy a house, you can apply for provident fund in the name of renting a house or building overhaul, serious illness, resignation and retirement. The provident fund is earmarked, and you can only use it for family purchases. Moreover, it is stipulated that if you buy commercial housing, you can't use provident fund loans. Extraction of housing consumption categories: purchase of self-owned housing such as commodity housing, private property housing, affordable housing and price-limited commodity housing; Building, renovating or overhauling self-owned houses on rural collective land; Repaying the principal and interest of self-owned housing loans; Employees without housing and loans rent houses. Can I get a loan without buying a house? How to apply for provident fund loans without buying a house? Workers who have established the housing provident fund system for more than one year and paid normally can apply for housing provident fund loans when buying a house. Generally speaking, provident fund loans are about 1 percentage point lower than commercial bank loans in the same period. If you don't apply for a loan, employees can also use the balance of housing provident fund under the following circumstances. 1, purchase, build, renovate and overhaul owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4, transferred from the city or registered permanent residence to move out of the administrative area of Laiwu and settle abroad; 5. Dead or declared dead; 6. Repay the principal and interest of the house purchase loan; 7. Low family income makes it difficult to pay rent; 8, enjoy the residents' low living security; Poor families with low income have to pay tuition and fees for their children to go to college; 9, due to the dissolution of the unit, bankruptcy or resignation, dismissal and other reasons to terminate the labor relationship with the unit, after unemployment, life is difficult; I, my spouse and their immediate family members have serious difficulties in family life due to major diseases or other emergencies; 10. Rural residents who enter cities or work in various parks must pay rent, and they fail to sign a new contract when the contract expires.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees. "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. "Regulations on the Management of Housing Provident Fund" Article 6 The interest rate of housing provident fund deposits and loans shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.