The real estate license of the provident fund loan is the provident fund loan mortgaged to the bank to buy a house, and the real estate license can only be obtained after the mortgage loan is paid off. For the guaranteed provident fund loan, the borrower does not need to go to the Housing Authority to get the real estate license, and the property owner himself carries the original ID card to get it. If there are two or more property owners, all property owners need to bring their ID cards to the guarantee office to collect them. If they are not present at the same time, they can get the bank loan guarantee separately, that is, the bank real estate license should be mortgaged to the bank.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. The state stipulates that all employees who pay housing provident fund can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.