Yes, you can negotiate with your friends, or you can contact the housing agency to guarantee a direct provident fund loan to buy a house. The general process is as follows:

1. Provide the information of the buyer and the seller, fill in the standard application form of the management center, submit the evaluation and pay the evaluation fee;

2, data submitted to the management center for examination and approval, preliminary examination;

3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it;

4. After approval, sign a guarantee contract with the provident fund management center and pay the guarantee fee;

5. After the loan is approved, notify the buyer and the seller of the transfer;

6. Apply for mortgage registration after getting the new house. For the loan, see the mortgage registration acceptance form of the management center.