provident fund loans need to meet the conditions of provident fund loans. Provident fund loans can be granted to the first suite and the second suite, but the third suite cannot use provident fund loans. Provident fund loans can be used twice, and provident fund withdrawal has been used all the time, and there is no limit on the number of times. Provident fund borrowers must meet the following conditions: 1) a natural person with full capacity for civil conduct; 2) Have a certificate of permanent residence in the town or a local household registration; 3) normally and continuously deposit the housing accumulation fund in this city at least half a year before applying for a loan; 4) Make a down payment of at least 3%; 5) Have a stable economic income and the ability to repay loans; 6) There are no outstanding debts with a large amount that may affect the loan repayment ability. In addition to the above conditions, the applicant for housing provident fund loan must meet one of the following three conditions: 1. In principle, the borrower who purchases policy-oriented housing approved by government departments should establish a housing provident fund account for more than 12 months (inclusive), and should pay the housing provident fund in full and continuously for 6 months before applying for a loan, and be in the state of payment when applying for a loan. 2. In principle, the borrower who purchases non-policy housing should pay the housing provident fund in full and continuously for 12 months before applying for a loan. 3. The loan applicant is a retired employee who paid the housing provident fund during his employment. As long as the provident fund loan used for the first house purchase is paid off, you can use the housing provident fund loan for the second time, regardless of whether your house is transferred or sold. However, the loan amount for the second time is less than that for the first time, and the down payment of the second house purchase loan must be no less than 4% of the total house price (the first down payment can be at least 2%). The interest rate of the provident fund loan is the same whether it is the first time or the second time, and it is currently 3.87% annual interest rate. Cancel the third loan.