As long as the house does not exceed 30 years, you can use the provident fund loan. Both the owner and the developer can accept your provident fund loan. What's more, the provident fund you pay must meet the conditions of your local house purchase. For example, foreigners have to pay more than one year in Guangzhou, and local accounts have to be more than half a year before they can use provident fund loans. The maximum loan amount is 500,000 for one person and 800,000 for two people!