1. What conditions do buyers need to apply for provident fund loans?

(1) The borrower has an urban hukou;

(2) I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);

(3) have a stable professional income, good credit, and the ability to repay the principal and interest of the loan;

(4) There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;

(5) The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

(6) Agree to apply for house purchase guarantee or mortgaged property insurance;

(seven) agreed to other conditions stipulated by the housing provident fund management center.

2. Which houses can apply for provident fund loans?

(1) commercial housing (the developer must sign a loan cooperation agreement with the municipal housing provident fund management center);

(2) the existing housing (that is, the purchase of property rights through housing reform);

(3) Second-hand houses (stock houses are listed and traded);

(4) Property-free housing (it must be mortgaged by the own or third-party housing ownership);

(5) Auction house (the auction company shall sign a loan cooperation agreement with the municipal housing provident fund management center).

I hope it helps you.