Legal analysis: meet the standard of continuous monthly deposit; The borrower must have a stable income, sufficient repayment ability and good personal credit information; Provident fund loans must explain the actual use; Issue relevant procedures or documents issued by relevant departments; Others. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.