You can apply for provident fund loans, but you need to meet the conditions of provident fund loans. \ x0d \ x0d \ What are the requirements for individual housing provident fund loans? The main contents are as follows: \x0d\ 1. The borrower has full capacity for civil conduct; \x0d\2。 Have a formal urban hukou or valid residence status in this city; \x0d\3。 Having stable economic income, good credit and the ability to repay the principal and interest of loans; \x0d\4。 Before the loan, the housing provident fund was normally paid continuously for more than half a year; \x0d\5。 Can provide a valid contract or agreement for the purchase of owner-occupied housing; \x0d\6。 In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; \x0d\7。 Having self-owned funds not less than 30% of the purchase value of owner-occupied housing (more than 40% of second-hand housing); \x0d\8。 The borrower agrees to handle housing mortgage loan and insurance; \x0d\9。 For the purchase of commercial housing, the developer shall provide phased guarantee and put relevant credit information on record; \x0d\ 10。 The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly collects the loan principal and interest from the account every month.