Yes, using provident fund loans requires providing running water. When applying for a housing provident fund loan, the housing provident fund management center will generally ask the lender to provide bank flow, the main purpose of which is to consider the lender's repayment ability and avoid the loan risk. If the wage flow is lower than the deposit base of the housing provident fund, the income from wage flow shall be confirmed.

Extended reading:

First, to apply for housing provident fund loans, you need to meet the following conditions:

1. The borrower has purchased, built, renovated or overhauled the owner-occupied house within the administrative area of this Municipality, and the procedures are complete and legal;

2. The borrower has full capacity for civil conduct and has a permanent residence or valid residence certificate in this city;

3. The borrower has stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

4. When applying for a loan, the borrower has continuously paid the housing accumulation fund 12 months in full in the management center, and continues to pay it normally;

5. If you buy a house, you must pay a down payment of 30% of the purchase price; New construction, renovation and overhaul of owner-occupied housing need to have completed more than 30% of the construction investment;

6. The borrower agrees to use the purchased built houses and other houses with the same value as loan collateral, or provide other legal and effective guarantee methods that meet the requirements of these detailed rules;

7. The borrower has no debts that affect the repayment ability of the loan.

Two, apply for housing provident fund loans need to provide the following materials:

1. Apply for housing provident fund loan;

2, "housing provident fund management center loan declaration and approval form";

3. Resident identity cards of both husband and wife (if single identity cards are provided);

4. The original and photocopy of the marriage certificate (unmarried, the "unmarried certificate" issued by the civil affairs department where the applicant is registered);

5, the husband and wife "proof of wage income" (if unmarried, only one party) and the original and photocopy of the loan labor capital certificate (card);

6. Real estate mortgage loans provide the original and photocopy of relevant property rights certificates such as house ownership certificate and state-owned land use certificate of mortgaged real estate, and provide the resident identity card of the property owner; Pledge certificate and original and photocopy of the resident ID card of the pledged loan owner.