It is because the interest rate of provident fund loans is lower than that of commercial banks that speculators cheat loans, such as unemployed people, but friends pay provident fund? In the second-hand housing market, it is clear that the house and the house are husband and wife, and the next house has also applied for a provident fund loan, and the money owing on the loan has flowed into its own pocket; In this case, there is a guarantee company. Its function is to audit all the behaviors and reputation of the loan applicant under the guarantee of the third party, and apply for funds from the loan bank, which will also cause losses, such as the death of the main lender and no income. General guarantee companies are entrusted by the provident fund management center to handle guarantee business. You can't trust private organizations unless you have a formal license.