A natural person with full civil capacity.

Second, have a good credit record.

Three, a stable economic income and the ability to repay loans.

Four, the applicant (including spouse) normal, continuous and full payment of housing provident fund for more than 6 months (inclusive), and the monthly payment reached the minimum standard requirements of housing provident fund loans in Wuhu City.

Five, a standardized format of the "commercial housing sales contract", housing (housing) can handle the transfer of property rights, mortgage procedures.

Six, agreed to buy housing as a full mortgage.

At present, the maximum loan amount of Wuhu housing provident fund loan varies according to the monthly deposit amount. Wuhu housing provident fund is used for the first time, with the maximum loan amount of 300,000, 400,000 and 500,000 for families and 200,000, 250,000 and 300,000 for individuals. For the second time, Wuhu Housing Provident Fund was used. The maximum loan amount for families was 200,000, 300,000 and 400,000, and the maximum loan amount for individuals was 6.5438+0.5 million, 200,000 and 250,000. The specific loan amount depends on the situation of the house purchased and the repayment ability of the applicant.

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.