Provident funds can apply for loans from different places. Please consult your local provident fund management center for details. Because local policies have different requirements, you can also consult the official customer service telephone number 12329.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

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

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.