If you have a provident fund, you can use the provident fund to go directly to the bank for loans. However, the use of provident fund loans can only be used for the purchase, construction, renovation and overhaul of self-owned housing. Only in these circumstances can people who need money apply for housing provident fund loans. In addition, it is used for consumption, management, stock trading, futures trading, securities trading and so on. , provident fund loans are not allowed.