If the loan conditions of the provident fund are not met, as long as the loan conditions of the provident fund are met, the difference is the loan amount.

The borrower shall meet the following conditions:

(1) Having a legal and valid identity certificate;

(2) Having full capacity for civil conduct;

(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

(four) the purchase, construction, renovation, overhaul occupied housing;

(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

(seven) to provide a guarantee recognized by the client;

(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;

(9) It meets other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.

2. Borrowers who purchase non-policy housing should, in principle, continuously deposit the housing provident fund in full 12 months before applying for loans, and be in the paid state when applying for loans.

3. The loan applicant is a retired employee who paid the housing provident fund during his working period.