If pure provident fund loans are generally not accepted by many banks, they can only go directly to the Housing Provident Fund Administration or China Construction Bank. Because banks have no commercial loan income. If it is a mixed loan of commercial loans and provident fund, all banks can. But now that credit is tight, you should visit banks more, workers, peasants and soldiers, and Chinese people. Especially if you are a VIP customer of any bank or have acquaintances in the intermediary, you can ask if you can give preferential interest rates.