2. The unit and individual where the lender works have established the housing provident fund system, and the housing provident fund has been continuously paid in full for not less than the specified time at the time of loan.

3. The lender has stable economic income and loan repayment ability, and its personal credit status is good.

4. Both husband and wife apply for provident fund loans, and both of them pay the provident fund normally.

5. The construction area of the first self-occupied apartment is below 90 square meters (inclusive).