Generally speaking, there are the following situations that can apply for housing provident fund loans: the lender must have a permanent residence or valid residence status in this city; Push forward from the date of application, and pay the housing provident fund in full for more than 12 months (only one person is allowed to borrow if both husband and wife pay the provident fund).

there are contracts (agreements) and relevant materials for purchasing houses, building houses and overhauling self-occupied houses in compliance with the law; With a certain proportion of self-raised funds, the self-raised funds are not less than 2% of the total house price for the purchase of commercial housing and affordable housing (not less than 3% of the total house price for the purchase of second-hand housing or building or overhauling housing); Have a stable economic income.

There are no obstacles in the policy of buying villas with personal first-hand housing loans and personal second-hand housing loans operated by banks. However, as the country strengthens the regulation of the real estate market and the banking sector further strengthens the mortgage business, many banks are more cautious about developing the personal housing loan business of villa buildings. Some banks simply give up the personal housing loan business of villa real estate.

the content of this article comes from: China Law Publishing House, The Complete Book of Financial Laws and Regulations of the People's Republic of China: Including Relevant Policies.