If your current house has a real estate license, you can apply for a mortgage, but it must be the owner himself. Provident fund loans can't be done. The interest rate is generally between 4 and 6, depending on the loan term. It's best to borrow from commercial banks, because those state-owned banks are too good. Small banks such as Minsheng Bank do not handle mortgage loans. Just bring your ID card, household registration book, real estate license, etc. Directly to the bank, the bank has put it on record, and I will give you an evaluation directly.