2. Employees with permanent residence in cities and towns or valid residence identification.
3. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans.
4. There is a contract or agreement to purchase a house, and the down payment amount is not less than 20% of the value of the house purchased.
5. Have a relatively stable professional and economic income, have the corresponding repayment ability, and have a good personal credit.
6, can provide housing provident fund management center approved by the way of guarantee.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to issue loans within 15 days from the date of accepting the application, and notify the applicant to issue loans, and the entrusted bank shall handle the loan procedures. The risk of housing provident fund loans shall be borne by the housing provident fund management center.