After one year of withdrawing the housing provident fund, as long as the housing provident fund has been paid normally for 6 months, the housing provident fund can be used for loans.

Provident fund loan conditions:

1. Have a legal and valid identity document;

2. The payment status is normal and the provident fund has been paid in full for 6 consecutive months. (Inclusive of) the above and good credit;

3. Have a stable income and the ability to repay the loan;

4. Have a legal and valid housing purchase contract, agreement or real estate administration department "House Ownership Certificate" issued;

5. If purchasing a house, a down payment of no less than 30% of the total price of the house has been paid;

6. Construction and renovation , If a house is being overhauled, it must be able to pay 30% of the upfront cost of all the costs required to build, renovate, or overhaul the house;

7. If it is building or renovating a house, it must have documents approved by the planning and land management departments;

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8. For major housing renovations, have documents approved by the planning management department;

9. Be able to provide an effective guarantee recognized by the management center;

10. Relevant laws and regulations and other conditions specified in the policy.