1, with full capacity for civil conduct and legal and valid identity documents;
2. Have the ability to repay the loan principal and interest;
3. Pay the housing provident fund in full and on time;
4. The down payment ratio meets the requirements;
5. Other conditions stipulated by the local provident fund management center.
The application materials for individual housing provident fund loans are as follows:
1. Identity documents (referring to valid residence documents such as resident identity cards and household registration books);
2, the legal purchase (construction, repair) of housing contracts, agreements and other approval documents;
3, self-built housing, should be issued by the planning, construction, planning, land and other departments of the approval documents;
4, the renovation of their own housing, should be issued by the planning, construction, planning, land and other relevant departments of the approval documents;
5. Proof of down payment that meets the requirements of the provident fund center;
6. Proof that the borrower's family has a stable income;
7. Information about the collateral or guarantor recognized by the provident fund management center;
8, other conditions stipulated by the housing provident fund management center.
The regulations in different regions may be different. Please consult your local provident fund management center for details.