You can't. \x0d\x0d\ provident fund loan application conditions are: \ x0d \ permanent residence in the town where the loan is made, and valid residence certificate can be provided; \x0d\ The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated time for the accumulation of accumulation fund cannot be less than 12 months; \x0d\ The self-financing of the first suite reaches more than 30% of the total house price (including 30%), and the first home loan of less than 90 square meters only needs 20%; \x0d\ The borrower has a proper job, a stable income, a fixed monthly salary and a clear intention to repay the loan; \x0d\ signed a house purchase contract or contract with the house sales office; \x0d\ Meet other conditions agreed by the trustor and the trustee. \x0d\x0d\ Housing provident fund loan process: \ x0d \ Lenders need to submit a written application to the bank to apply for housing provident fund loans; \x0d\ The bank accepts and reviews the loan application with complete information in time and submits it to the provident fund center in time; \x0d\ Provident Fund Center is responsible for approving loans and informing banks of the approval results in time; \x0d\ The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract; \x0d\ If mortgage is used as a guarantee, the borrower shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.