Two, according to the "Regulations" housing provident fund management
Article 26
Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses.
The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.