1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must apply for individual housing provident fund loans, and they must also meet the following conditions: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans.

3. One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there is no outstanding debt that may affect the repayment ability of the housing provident fund loan. When employees are in debt, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.

For more information, you can go to Miaowei Finance and Business Education. Insiders pointed out that in the construction of financial literacy training system, training courses and institutions play an important role in society. At the beginning of its establishment, Miao Wei's financial and business education and other educational institutions set up a tutor team with financial knowledge, financial application ability and financial values as the core and carried out curriculum innovation.