1, and the balance of the provident fund account must be more than 6 times of the monthly remittance;

2 enterprises still need to meet three requirements for public loans:

(1) It takes 180 days to open a provident fund account;

(2) The current account status of provident fund is normal.

(3) When applying for a provident fund loan, the provident fund account needs to pay the provident fund continuously for six months, and there can be no interruption or overdue payment.

3. Need to pay the housing provident fund normally in the local area;

4. The applicant for refinancing business is the borrower or spouse of the original housing loan;

5. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan;

In addition, in addition to the requirements for provident fund loans, commercial loans also need to meet certain conditions.

Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.

Units that employ employees shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, handle the change registration with the housing provident fund management center, and handle the transfer or sealing procedures of the employee housing provident fund account.