1. Have permanent residence or valid residence status in cities and towns;

2. Have a stable occupation and income;

3. Good credit and the ability to repay the loan principal and interest on schedule.

Third, the loan amount.

The maximum loan amount stipulated by the housing provident fund management center in each city is different. Please consult the local housing provident fund management center when lending.

Four. length of maturity

The loan term set by each city housing provident fund management center is different, generally the longest is 10 year and the longest is 20 years. Please consult the local housing provident fund management center when lending.

The information that verbs (short for verb) need to provide.

1. Legal and valid identity documents;

2. Housing provident fund savings card and borrower's name stamp;

3. A legal and effective contract or agreement for the purchase, construction, decoration or overhaul of self-owned housing and related materials;

4. Proof of down payment for housing purchase or self-financing for housing construction, renovation and overhaul;

5. To use the loan amount of both husband and wife, it is necessary to have a spouse's housing provident fund savings card, ID card and copy, marriage certificate or other proof of husband and wife relationship;

6 other information required by the city housing provident fund management center and the loan bank.