1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment, prepayment and supplementary payment of housing provident fund), and be in the state of payment when applying for a loan. 2. For the units that have been approved by the center and are in a deferred payment state, their employees can apply for loans under the conditions that they have established housing provident fund accounts for more than 12 months (inclusive) and paid housing provident fund in full for more than 12 months (inclusive). 3. The loan applicant can be a retired employee who paid the housing provident fund during his employment. 4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records. Tip: The time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; The overdue payment cannot advance the time of establishing the housing provident fund. The general content of the second-hand housing provident fund loan is as above. Legal objectivity:

The process of provident fund second-hand housing loan: 1. Applicants who qualify for the first-instance loan go to Qingdao Housing Provident Fund Management Center for business consultation with their own and spouse's ID cards. According to the applicant's provident fund deposit, housing price and housing completion years, the staff initially calculated the loanable amount and years, and issued the "Qingdao Housing Provident Fund Loan Application Approval Form" to eligible applicants. II. Surveying and Mapping Evaluation (1) The buyer holds a copy of the ID card and a copy of the property right certificate of the purchased house to the No.1 ~ No.9 window of Qingdao Real Estate Trading Center for listing qualification examination and mapping of the traded second-hand house. (2) The Buyer and the Seller shall go to the designated house appraisal institution for house appraisal.