Provident fund loans need to be mortgaged with real estate licenses, and banks lend to applicants, and applicants put real estate licenses in banks as collateral, and they can only get them after the loans are paid off, so that banks can better safeguard their own interests, and they don't have to worry about lenders selling houses without paying off their mortgages, causing losses to banks.

The conditions for the use of housing provident fund loans are:

1, with a valid household registration or residence permit in the place where it is located;

2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan;

3. There are procedures and contracts. For buying a house, renting a house and decorating;

4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price;

5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income.

Provident fund generally refers to housing provident fund, specifically refers to the long-term housing savings fund paid by state organs and institutions in accordance with relevant systems. It should be noted that the housing provident fund system is generally only available in cities and towns, while there is generally no provident fund system in rural areas. At the same time, only employees of relevant enterprises and institutions can establish their own housing savings.

If the provident fund loan is secured by mortgage, the borrower shall use the purchased house as collateral. The borrower shall sign a mortgage contract with the entrusted bank and go through the mortgage registration formalities in accordance with the provisions of this Municipality on the registration of real estate rights.

If the provident fund loan is secured by pledge, the borrower or the third party shall provide the voucher-type national debt recognized by the provident fund center and the entrusted bank, the local currency time deposit certificate of the entrusted bank, and other legally pledged rights certificates for guarantee.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.