1, with full capacity for civil conduct;

2. Have a fixed residence or valid residence status in the local town, and the income is relatively stable;

3. The housing accumulation fund has been paid regularly for more than 6 months and the deposit amount in its account is more than 1 year.

4. No provident fund loan balance and other bad debts;

5. During the period when the borrower fails to repay the loan principal and interest in full, he may not withdraw the housing provident fund or apply for a housing provident fund loan.

Legal basis: Article 143 of the Civil Law of People's Republic of China (PRC) A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.