The borrower must open an individual housing provident fund account for 365 days, counting forward from the date of applying for an individual housing provident fund loan, and continuously pay the housing provident fund in full and on time 1 year or more.

There can be no bad loan records or bad credit records.

The borrower fills in the loan application form and authorizes the inquiry of the credit information system. After checking that there are no bad loans and bad credit records, the center shall submit the borrower's and mortgagor's household registration book, the original ID card, the proof of marital status, the commercial housing sales contract registered by the real estate transaction registration management department, the original payment receipt and other materials and copies. After examination, the original is returned and the copy is kept.

The materials required for mortgage registration are provided according to the requirements of the real estate transaction registration management department (keep the original if necessary). The center will determine the loan amount after reviewing the loan application materials submitted by the borrower.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.