To apply for provident fund loans, you must repay them in advance for half a year. At present, there are questions from the public. They have been working in a company in Shenzhen for almost three years, but their monthly salary is very small, and both individuals and companies are less than 100 yuan. They want to know whether they can apply for housing provident fund loans and how to calculate the number of family properties of loan applicants. According to the Interim Provisions on the Management of Housing Provident Fund Loans in Shenzhen (Draft for Comment), employees who have paid housing provident fund in Shenzhen can apply for housing provident fund loans in accordance with the regulations, which are applicable to housing provident fund loans within the administrative area of Shenzhen. The regulations point out that the purchase of affordable housing and commercial housing (residential) to apply for provident fund loans should meet the following conditions at the same time: the applicant has continuously paid the housing provident fund for six months before the month of application, and it is in a normal state of payment at the time of application; The applicant and * * * the same applicant have no provident fund loan or have paid off the provident fund loan in this city; The applicant has full capacity for civil conduct, the ability to repay the principal and interest of the loan, and a good credit status; The applicant has paid the down payment for the house purchase as required; The applicant provides a guarantee that meets the requirements of these Provisions; The applicant and the same applicant meet the requirements of national, provincial and municipal real estate market management policies; Meet other conditions stipulated by the provident fund management Committee. In response to the number of family properties of the loan applicant, the staff of Shenzhen Housing Provident Fund Management Center replied that the loan application is based on the family, so the number of properties is also calculated by the family, which is mainly divided into three situations. First, the total amount of existing family property, including minor children. Secondly, if there is already a record of buying a house, when applying for a provident fund loan, the housing record is not subscribed, but is calculated according to the total number of units actually owned by the family at present. Third, the issue of loan identification. At present, Shenzhen only recognizes provident fund loan records. When applying for a loan, you can apply for a provident fund loan without repaying the provident fund loan.