Handling any loan requires bank flow. Because the bank flow proves the ratio of the lender's income to the amount of funds in the account, if the lender's bank flow is small, the bank will also consider the lender's repayment ability. However, the bank's audit requirements for running water are not too high. The materials required for handling provident fund loans are as follows: ID card, household registration book, marriage certificate, income certificate, bank running water, and provident fund deposit certificate (provided by married couples).