Building houses on collective land cannot use housing provident fund loans. If it is not approved, it is suspected of illegally occupying land to build a house.

According to Article 76 of the Land Management Law, if land is illegally occupied without approval or by deception, the land administrative department of the people's government at or above the county level shall order it to return the illegally occupied land; Violation of the overall land use planning, unauthorized conversion of agricultural land into construction land, demolition of new buildings and other facilities on illegally occupied land within a time limit, and restoration of land to its original state; In line with the overall land use planning, it shall be confiscated and may be fined; The person in charge and other persons directly responsible for the illegal occupation of land shall be given administrative sanctions according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.

Those who occupy land in excess of the approved amount shall be punished as illegal occupation of land.