There is a set of standard procedures for handling loans, in which collecting the information of applicants is a very important link, and some information (such as personal monthly income) is very important and indispensable, which is an important basis for making risk judgments in loan work. If you don't want to provide a payroll, the loan may not be approved, because the loan is illegal without the necessary information, and the person who makes the loan decision will pay the main responsibility (possibly criminal responsibility).

Suggestion: what the provident fund center needs is actually proof of your personal monthly income. For example, suppose you borrowed 6,543.8+0.5 million provident fund and 6,543.8+0.5 million bank loans for 20 years, and you have to pay back 2,500 yuan every month, then you only need to provide proof that your personal monthly income exceeds 5,000 yuan or that both husband and wife exceed 8,000 yuan, which may not be a salary slip. For example, you have a loan in the city center. The monthly rental income is 1 ten thousand yuan. You only need to provide the lease contract and bank flow for more than half a year to prove that the income exists and there is normal cash flow.