When applying for a provident fund loan, you should meet the following basic conditions:

1. Have full capacity for civil conduct;

2. Provident fund payment certificate (or housing provident fund card );

3. ID cards, household registers and marriage status certificates of the applicant and his or her spouse;

4. Employees who have paid the housing provident fund normally for more than one year (inclusive) in their unit , he or she must make regular contributions to the housing provident fund for more than six months (inclusive), and the monthly payment and deposit amount of the housing provident fund reaches the minimum monthly payment and deposit amount announced by the management committee;

5. Employees are purchasing, constructing, or renovating housing provident funds. , You can apply for a home purchase loan within five years (inclusive) from the date of overhaul of your own home;

6. Employees who apply for a loan for the first and second time need to pay a purchase price of more than RMB 20 (inclusive) Down payment;

7. Have stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.