Legal analysis: Housing provident fund loans need mortgage real estate license. Applicants who apply for housing provident fund loans shall provide guarantees. For the provident fund loan guaranteed by the guarantee center, the borrower does not need to go to the Housing Authority to get the real estate license, and the guarantee center will get the real estate license on his behalf. Then the property owner takes the original ID card to the guarantee center to collect it.

Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund, the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.