Legal analysis: the sum of the age of the male principal lender and the loan period is less than or equal to 65 years old, and the sum of the age of the female principal lender and the loan period is less than or equal to 60 years old. Buying a house with a provident fund loan means that the depositor buys a house with a loan from his own provident fund account. However, depositors must meet several conditions when making loans. First, the lender must have full capacity for civil conduct; second, he must have a stable occupation and income and the ability to repay the principal and interest of the loan. Finally, he must meet the conditions and policies of provident fund loans. Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.