Ordinary housing can apply for provident fund loans, but commercial housing cannot. It is recommended to verify the type of residence.

Different provident fund centers have different application conditions for provident fund loans, mainly including:

1, with full capacity for civil conduct and legal and valid identity documents;

2, have the ability to repay the loan principal and interest;

3. Pay the housing provident fund in full and on time;

4. The down payment ratio meets the requirements;

5. Other conditions stipulated by the local provident fund management center.

The application materials for individual housing provident fund loans of Agricultural Bank of China are as follows:

1. Identity documents (referring to valid residence documents such as resident identity cards and household registration books);

2, legal purchase (construction, repair) housing contracts, agreements and other approval documents;

3, self-built housing, should be issued by the planning, construction, planning, land and other departments of the approval documents;

4, the decoration of their own housing, should be issued by the planning, construction, planning, land and other relevant departments of the approval documents;

5. Proof of down payment that meets the requirements of the provident fund center;

6. Proof that the borrower's family has a stable income;

7. Information about the collateral or guarantor recognized by the provident fund management center;

8, other conditions stipulated by the housing provident fund management center.

The regulations may be different in different regions. Please consult your local provident fund management center for details.