First, the use of provident fund loans are:
1. Purchase;
2. renovation;
3. Overhaul owner-occupied housing;
Two, limit the loan conditions or not to lend:
1. Individual housing loans (including housing provident fund loans or commercial loans) are overdue for a total of 10 times. If they have not been settled or settled for less than two years, no loans will be granted.
2. When employees apply for housing provident fund loans, they conceal or lie about their marital status, immediate family members, purchase behavior, housing quantity, etc. , and will not lend within 5 years from the date of being recognized.
3. Fictitious extraction conditions, or the extraction of housing provident fund with forged information, will not be loaned within 5 years from the date of self-determination.
Legal basis: Article 20 of the Regulations on the Management of Housing Provident Fund stipulates that the unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.