Provident fund personal housing loan refers to the personal housing loan issued by CCB with the funds provided by customers under the entrustment of the local housing fund management department. The loan risk is borne by the client, which is mainly used to solve the problem of insufficient funds for individual employees to purchase and build housing.

The application for housing provident fund loans must comply with the provisions of the local housing provident fund management department on housing provident fund loans. The basic conditions should be:

Have a legal status;

Pay the housing accumulation fund in full and on time;

Have a stable economic income, good credit and the ability to repay the principal and interest of loans;

There are legal and effective certificates such as contracts and agreements for the purchase and overhaul of housing;

Self-raised funds that are above the minimum amount and are guaranteed to be used to pay the down payment of the purchased (overhauled) house;

Having assets that meet the conditions of mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;

Meet other loan conditions stipulated by the local housing provident fund management department.