First of all, the completeness of the five certificates only means that developers can sell houses reasonably and legally, which is not necessarily related to whether they can use provident fund loans.

Secondly, compared with commercial loans, provident fund loans are slow. For developers who are in urgent need of repayment, the capital chain cycle is too long, which is not conducive to capital recovery. Therefore, most developers are unwilling to use provident fund loans or do not cooperate with provident fund.

Finally, some property buyers have not paid the provident fund continuously, and their personal credit information is not perfect, which will also lead to the inability to use provident fund loans.