1. Meet the conditions stipulated by the state and the city's real estate regulation and control policies;

2. Have full capacity for civil conduct;

3. A down payment of not less than the specified proportion has been paid;

4. At present, the housing accumulation fund has been paid in full and continuously for 6 months, and there is no termination agreement on the withdrawal of housing accumulation fund;

5. Have a good credit record and willingness to repay;

6. It has a stable and legal source of economic income and the ability to repay the loan principal and interest, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;

7. It must be the owner of the owner-occupied house with ownership in this city and be able to provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;

8. It can provide the guarantee method approved by the Municipal Provident Fund Center;

9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.

The above contents are for your reference. Please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

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