1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full.
2, continuous normal deposit housing provident fund for more than twelve months.
3. Purchase and build self-occupied houses within the administrative area, and have paid the purchase price above the prescribed down payment ratio.
4. Personal credit is good, with stable economic income and the ability to repay the loan principal and interest.
5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.
The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.