1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4, can provide a valid contract or agreement for the purchase of owner-occupied housing;

5. Own self-occupied housing with a purchase value of not less than 30%, and more than 40% of second-hand housing has its own funds.

legal ground

According to Article 5 of the Regulations on Housing Provident Fund, the housing provident fund shall be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes.