Provident fund loan: Provident fund loan is a discount loan provided by the state for employees, which can be used for the construction, purchase, decoration and overhaul of owner-occupied housing. If you don't buy a house but need to build or decorate it, you can consider applying for a provident fund loan and enjoy the low interest of the provident fund loan.

Provident fund credit loan: If the provident fund does not buy a house, you can apply for a provident fund credit loan to meet your daily consumption needs.