Employees of private enterprises in Shanghai can apply for loans with provident fund as long as the company has purchased provident fund for employees.

Process of applying for provident fund loan:

1. Submit materials (including personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, house purchase down payment certificate, house purchase contract, housing provident fund deposit certificate, etc. );

2. Submit the notice of guarantee application review and wait for the approval result;

3. payment;

4. Material transfer;

5. Sign the contract and wait for the loan to arrive.