There are two ways to buy a house with provident fund loans: first, the buyer lends money to two guarantors (all three must have a unit to pay the housing provident fund), and the balance of funds between the guarantor and the lender in the housing provident fund management office reaches the specified balance. Two. Use the newly purchased house to apply for real estate ownership certificate and mortgage loan. The second one is more troublesome. You have to have a real estate license to apply for other warrants, that is, you have to borrow money to pay the full amount to apply for a loan.