1. Have permanent residence or other valid residence status in this city and have full capacity for civil conduct;

2. A legal and effective house purchase contract or agreement has been signed, and the down payment for house purchase has been paid according to the specified proportion;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;

4. Pay the housing provident fund in full monthly in the first 6 months when applying for a loan;

5. Personal credit is good. In the personal credit report, the maximum overdue period of personal loans in the two years before the application for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding those overdue due to non-borrower reasons such as bank management;

6. There are no other debts with a large amount that may affect the repayment ability of the loan;

7. The monthly expenses for repaying various housing loans, including the individual housing provident fund loans to be applied for, shall not be higher than 5% of the family's monthly income, and after deducting the monthly repayment expenses, the family's monthly income shall not be lower than the minimum living standard of this Municipality;

8. Other conditions stipulated by laws and regulations.