Reply: Employees who have paid the housing provident fund in full and on time according to the Regulations on the Administration of Housing Provident Fund can use the housing provident fund loan as collateral when purchasing their own houses. Any borrower who applies for housing provident fund loans must be a natural person with full capacity for civil conduct and meet the following conditions: (1) having a permanent residence in cities and towns or a valid residence status; (two) there are self-raised funds equivalent to more than 20% of the cost of purchasing, building and maintaining self-occupied housing (excluding housing provident fund); Three. Have a stable economic income and the ability to repay the loan principal and interest on time; Four. The employee's unit or a third party recognized by the loan bank agrees to provide guarantee for him; Five. Agree to mortgage the real estate license with full property rights and apply for home insurance, or pledge the securities. Before the house is completed and delivered for use, if the borrower fails to obtain the property right certificate and hand it over to the loan bank for safekeeping, the seller shall provide a guarantee in the form of guarantee; Six. The borrower must pay the housing provident fund in full and on time (it will not be handled if it is interrupted for 3 months). Seven. There are no other liabilities that may affect the repayment ability, and there is no bad repayment record.