Provident fund loan conditions: 1, with permanent residence or valid residence status in the city applying for provident fund loan; 2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; 3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) when applying for the provident fund loan, and the housing provident fund in their account has not been used this time; 4, provident fund loans in the city to apply for provident fund loans to buy self-occupied housing, there must be a legal purchase contract or agreement; 5. There is a certain proportion of down payment for house purchase that meets the requirements; 6. Provide guarantees that meet the legal requirements. If the payment of housing provident fund is interrupted halfway, resulting in the failure to pay the housing provident fund in full for six consecutive months, even if it is completed, you cannot apply for a provident fund loan. The solution now is to continue to pay the housing provident fund in full and then apply for it for six months in a row.

Legal objectivity:

Regulations on the administration of housing provident fund

Article 26

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.