You can use provident funds to buy a house. Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident ID cards of the borrower and his spouse;

3. Proof of the borrower’s marital status;

4. Proof of down payment for house purchase;

5. Credit status report of the borrower and his spouse printed by the bank;

Conditions for applying for housing provident fund:

1. The individual and the employer must pay the housing provident fund continuously for one year;

2. The borrower has a stable economic income , good credit, and the ability to repay the principal and interest of the loan;

3. The borrower must have no less than 30% of the total house price when purchasing a commercial house.