1. has its own special provident fund account;
2. Before the month of applying for a loan, you must continuously deposit for more than 6 months or accumulated provident fund 1 year;
3. Be sure to pay off the outstanding provident fund loans;
4. There must be no credit stain;
5. The sum of the lender's age and the loan period must be less than 70 years old;
6. Commercial housing sales contracts must be signed.
The conditions for accumulation fund storage are as follows:
1. Individuals need to stop paying provident fund due to physical reasons, such as serious illness and disability;
2 individuals need to stop paying the provident fund due to unemployment, laid-off and other reasons. For example, individuals terminate labor contracts, enterprises close down, etc. ;
3. Individuals need to stop paying the provident fund for other reasons: for example, individuals need to stop paying the provident fund when studying abroad or starting a business.
To sum up, different regions and provident fund policies may have different storage conditions, and the specific situation needs to refer to local policies and regulations. In addition, the storage period is also different, generally ranging from 6 months to 2 years, and the specific period needs to be determined according to local policies and regulations.
Legal basis:
Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund
Article 24
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.