The third suite can't use provident fund loans. There are many restrictions on the use of provident fund loans: 1, and those with bad loan records or bad credit records are restricted. 2. I have had two provident fund loans to buy a house. 3. The lender has paid the local housing provident fund account for one year, and has continuously paid the housing provident fund for more than one year since the date of applying for the housing provident fund loan. Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.