1. Employees who have continuously paid the housing provident fund in full monthly for more than 6 months (inclusive) and have not withdrawn the housing provident fund within 6 months (inclusive) before applying for the loan (excluding the entrusted monthly withdrawal of the housing provident fund to return the housing provident fund loan and the annual withdrawal of the housing provident fund to return the housing loan) can apply for the housing provident fund loan.
For employees who have paid the housing provident fund in different places and paid it in Suqian for less than 6 months, if the balance of the deposit is transferred to Suqian and the payment time is uninterrupted, the payment time can be calculated according to the payment certificate issued by the original housing provident fund management center and the payment time in Suqian. After the employee's housing provident fund loan is settled, those who meet the conditions can apply for housing provident fund loan again and handle it according to the first set of housing loan policy;
2. The borrower agrees to use the purchased house as loan collateral;
3. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;
4. After the husband and wife apply for the housing provident fund loan, no matter whether the relationship between husband and wife exists or not, neither party may apply for the housing provident fund loan again before the loan is paid off. If one of the husband and wife buys a house after divorce and has not applied for a housing provident fund loan in our center, or has applied for a provident fund loan, but has paid off and has a good repayment reputation, and meets other loan conditions, they can apply for a provident fund loan again.
5. When employees buy a house, they may not withdraw the provident fund in the name of buying a house, and then apply for a personal housing provident fund loan in the name of buying a house.
6. Other conditions stipulated by the management center.