1, with legal and valid identification, not exceeding the statutory retirement age stipulated by the state;

2. The deposit status is normal, and the provident fund has been paid in full monthly for more than 6 consecutive months (inclusive). The main points of its judgment are as follows: (1) Retroactive payment before the first deposit date is not recognized; In terms of time, the number of natural monthly remittances from the first remittance date to the loan application date reached 6 months or more; From the definition of amount, the deposit amount in the period must be full; If payment is suspended after opening an account, the payment status shall be determined by the date of resumption of payment when applying for a loan. For the employees transferred from the foreign center to the center, the deposit period shall be calculated together, and the first remittance date of the provident fund shall be calculated according to the amount transferred from the foreign center. If the deposit is made in other centers, provide the deposit and loan certificate issued by the deposit center; Some units implement quarterly or annual deposit, which can be inferred according to their actual deposit methods.

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. I and my spouse have good credit, and there are no outstanding records of housing provident fund loans and commercial bank housing loans;

5. The identification of the first suite and the second suite shall be based on the loan information records of both husband and wife in the provident fund center; If the family of the loan worker applies for a loan for the third time or more, it will not be accepted.

Second, the purchase time and the basic conditions of commercial bank loans: the housing purchased by employees' families does not limit the deposit time, and the application to commercial banks must be a personal housing loan. According to whether the commercial bank loan is paid off or not, there are two ways to deal with the purchased property:

1. Lending from corporate to corporate by natural person guarantor: one or more of the borrower's colleagues, friends and relatives provide the borrower with staged joint and several liability guarantee for handling the loan. You can apply for a public loan from a natural person witness if you meet the following conditions: the house purchased by the borrower in a commercial bank with a personal housing loan is an existing house, and the house ownership certificate has been obtained and the loan has not been settled; The house purchased by the personal housing loan of the borrower's commercial bank is an auction house, and the house ownership certificate has not been obtained, but only the purchase contract has not been settled; The house purchased from a commercial bank by the borrower's personal housing loan is an auction house, and the borrower has not obtained the house ownership certificate. The borrower applies to the central branch in advance, and with the consent of the branch, it will settle the balance of personal housing loan applied to the commercial bank with its own funds, and apply for a loan to the center within 3 months.

2. Mortgage-to-public loan: The house purchased by the borrower in a commercial bank with personal housing loan is an existing house, and the house ownership certificate has been obtained. The borrower applies to the central branch in advance, and after the approval of the branch, he will settle the balance of personal housing loan with his own funds to the commercial bank, and apply for a loan to the center within 3 months.

Three, can provide effective guarantee approved by the center;

Four, other conditions stipulated by the center.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's 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.