Yes, as long as it is a residential property and not a third home, you can use a provident fund loan.

Provident fund loan conditions:

1. Employees who have full capacity for civil conduct and have paid housing provident fund in full;

2. Continuous and normal payment of housing provident fund More than 12 months;

3. Purchase and build a self-occupied house within the administrative area, and have paid off the purchase price of more than the prescribed down payment ratio;

4. Good personal credit , have stable economic income and the ability to repay the principal and interest of the loan;

5. Agree to use the house purchased and constructed as collateral for the loan, or provide a guarantee recognized by the management center.

Process of provident fund loan:

1. To apply for a housing provident fund loan, the lender must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(1) Proof of housing provident fund payment of the applicant and spouse;

(2) Identity certificate of the applicant and spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), marital status Supporting documents;

(3) Proof of stable family economic income and other proofs of claims and debts that have an impact on repayment ability;

(4) Valid proof of housing purchase contracts, agreements, etc. Documents;

(5) Collateral used for security, list of pledges, certificate of ownership, certificate of consent of the person with disposal rights to mortgage and pledge, and collateral valuation certificate issued by the relevant department;

(6) The Provident Fund Center requires a third-party guarantor to provide guarantee and pay guarantee fees. The borrower, lender and third-party guarantor must sign a three-party contract together.

(7) Other information required by the Provident Fund Center.

2. For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

3. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner.

4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. , the provident fund center will allocate the entrusted loan fund after approval, and the entrusted bank will disburse the loan in full and on time according to the loan contract.

5. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the real estate mortgage registration procedures. If the mortgage contract or agreement is signed by both husband and wife, and the mortgage is pledged with securities, The borrower will hand over the securities to the management department or alliance center for safekeeping.