Legal Analysis: To apply for a personal loan of housing provident fund, the following conditions must be met: (1) The borrower is the depositor who has legally paid the housing provident fund, and has paid the housing provident fund in full for more than 6 months (including 6 months) every month before the loan application date. (two) the borrower and his spouse have no housing provident fund loan debt. (three) approved by the center to buy, build, rebuild, overhaul occupied housing and repay loans from commercial banks for occupied housing consumption. (4) The borrower must have a stable income and the ability to repay the principal and interest of the loan on schedule, and the monthly repayment amount shall not exceed 60% of the family income provided by him, and the family income can be supplemented by adding auxiliary repayment persons. (5) Being able to provide loan guarantees recognized by the Center. (6) The borrower has a good reputation.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.