(1) Before applying for the loan, the housing accumulation fund in this city has been paid normally and continuously for six months;
(2) Have full capacity for civil liability, and have permanent residence or blue-printed residence in this city (non-agricultural);
(3) Having a stable economic income and the ability to repay the loan principal and interest;
(4) The borrower must be the owner of the large (installed) house and sign a project implementation contract with a regular decoration company;
(5) The spouse and lineal blood relatives of the loan applicant are used as the housing provident fund, and the borrower can participate in the calculation of the loan amount of the provident fund.
(6) Collateral is the owner-occupied house that the borrower has made major personal (installation) repairs and has complete personal property rights.