The conditions for provident fund consumption loans are: permanent residence or valid residence status in the town where the loan bank is located; Have a legal and stable economic income, good credit and the ability to repay the principal and interest of the loan; Have full capacity for civil conduct, etc.

Legal objectivity:

Article 26 of the General Principles of Loans: Evaluate the borrower's credit rating according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. Article 27 loan investigation: after accepting the borrower's application, the lender shall investigate the borrower's credit rating, the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.