Can't I borrow money to buy a house without five insurances and one gold?

Legal analysis: Yes, provident fund loan is only an option to buy a house by loan. You can choose a commercial loan.

Legal basis: Article 58 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the employer shall apply to the social insurance agency for social insurance registration for employees within 30 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. In the process of dispatching, the dispatching unit is an employer and should pay social security for the dispatched employees.