1. Loan conditions: All employees who have paid the housing provident fund in full and on time (with a deposit ratio of not less than 7%) within the municipal area for more than one year and need to buy (including buying second-hand houses), build, renovate or overhaul their own houses (including employees who retire early before reaching the statutory retirement age but still pay the housing provident fund as required) are eligible to apply for provident fund loans, and meet the following conditions:
1. The borrower has stable professional and economic income, good reputation and the ability to repay the principal and interest of the loan, and agrees to use the purchased property as collateral and the personal housing accumulation fund of the borrower and co-owners as the loan pledge guarantee.
2. Provide valid contracts (agreements) for the purchase (including the purchase of second-hand houses), construction, renovation and overhaul of owner-occupied houses; The down payment or self-owned funds shall not be less than 30% of the total price of the purchased (built) house;
3. Collateral recognized by the lender and other specified conditions (no loan will be granted if the loan application materials are fraudulent or have bad credit).
Second, the loan time limit: the second-hand house must apply for a loan within two years after obtaining the real estate license, otherwise it will not be accepted after the deadline.