Apply for provident fund loans must meet the following conditions:

The borrower is a natural person with full capacity for civil conduct and has People's Republic of China (PRC) nationality;

When applying for the provident fund loan, the account has been opened and remitted in full and continuously, and the term is not less than the term regularly announced by the management center;

There is a legal and valid house sales contract or a certificate that the relevant department has approved the construction or repair of the house;

Not less than the down payment of the specified proportion of house purchase;

The borrower has a stable economic income and the ability to repay the principal and interest of the loan, has good personal credit, and has no other debts that affect the ability to repay the loan;

The nature of the purchased land for housing construction is state-owned land; Take the house purchased, built or repaired as collateral.