The reason for this is the following：

Provident fund loan is a measure to establish public housing fund for employees, which is a measure to reform the housing system in China. The purpose is to solve the housing difficulties of employees through the joint burden of the state, the collective and the individual.

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and the balance of the housing provident fund accounts of both husband and wife of the applicant is about 20 times different;

Requirements for loan procedures: according to whether you buy a first-hand house or a second-hand house, provide the identity certificate of the buyer and the seller, household registration book, marriage certificate, house title certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, income certificate of the buyer and the seller, and proof of no house.