You don't need a provident fund to buy a house, but you can use a real estate license to mortgage a loan.

Real estate mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank in person;

4. Bank filing and approval;

5. After the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank will directly transfer the loan to the account agreed in the contract;

10. The borrower repays the principal and interest according to the loan contract.

Remarks: It is best to use provident fund loans to buy a house. The interest on buying a house with provident fund loans is relatively low, and the repayment pressure is relatively small.