People who have real estate licenses and want to apply for provident fund loans need to submit a written application to the Housing Provident Fund Management Center, fill in the Application Form for Housing Provident Fund Loans and provide relevant information truthfully. Generally speaking, applicants need good credit, stable family income and the ability to repay the principal and interest of loans.

Legal objectivity:

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.