Real estate mortgage loans can use provident fund, and you can apply for provident fund housing loans in banks. Generally, it is necessary to meet the basic conditions of continuous deposit in the provident fund account for more than 6 months and some other loans. After applying for provident fund mortgage loan to buy a house, the house will be mortgaged to the bank, and the bank will seize the real estate license as a symbol of the house mortgage.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. Housing accumulation fund is welfare. In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans.

The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.