1. Having a legal and valid identity;

(2) Having full capacity for civil conduct;

(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

(four) the purchase, construction, renovation, overhaul occupied housing;

(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund; If the loan applicant is an on-the-job employee, he/she must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment, early payment and supplementary payment of housing provident fund), and he/she is in the state of payment when applying for a loan.

For units that have been approved by the center to postpone payment, their employees can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).

(7) Providing guarantees recognized by customers;

(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;

(9) It meets other conditions stipulated by the client.