Real estate mortgage loans can use provident fund, and you can apply for provident fund housing loans in banks. Generally, it is necessary to meet the basic conditions of continuous deposit in the provident fund account for more than 6 months and some other loans. After applying for provident fund mortgage loan to buy a house, the house will be mortgaged to the bank, and the bank will seize the real estate license as a symbol of the house mortgage.

However, if you use the provident fund to buy a house, then the house purchased by the provident fund can apply for a mortgage loan. Housing provident fund can only buy mortgage loans.

The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.