Without housing provident fund, generally only commercial loans can be considered.
Personal data required for commercial loans: proof of salary. If there is a relationship, look for relatives and friends' units and ask them to help open the certificate. When the bank investigates, ask them to help with the investigation.
Or find a local real estate agent, and the loan is no problem for them. Pay them a fee.
I hope I can help you a little.
Off-topic, if you are not in a hurry to use the house, wait for affordable housing. More than 10,000 sets were approved at the end of 20 10.