1. Officers, civilian cadres and non-commissioned officers who participate in the collection of military housing provident fund, as well as retired cadres and non-commissioned officers under military management, can apply for housing provident fund loans when purchasing housing. The qualification of loan personnel shall be subject to waiting for approval by the units at the military command level according to the loan control index issued by the headquarters, giving priority to the soldiers who buy commercial housing, live in hard and remote areas, and live apart from each other, taking into account the borrower's rank, service life and other factors.
2. The main requirements for military personnel to apply for housing provident fund loans are: having a down payment fund of not less than the proportion stipulated by the state; The family has the ability to repay the loan principal and interest; Being able to provide loan guarantee in the prescribed way; The purchased house is the first family house; Neither husband nor wife has applied for military or local housing provident fund loans.
3. The military housing provident fund loans shall be subject to quota management, and the individual loan quota shall be implemented in accordance with the proportion of housing provident fund loans stipulated by the state, generally not exceeding 4, yuan; Where the people's government of the place where the house is purchased stipulates that the housing provident fund loan limit exceeds 4, yuan, it shall be implemented according to the limit stipulated by the people's government of the place where the house is purchased. The actual loan amount shall be determined by the cooperative bank within the limits approved by the military, according to the family repayment ability and personal credit rating.
4. The longest term of the military housing provident fund loan shall not exceed 2 years, and the sum of the loan term and the borrower's age shall not exceed 65 years. The specific loan term of the borrower shall be determined by the cooperative bank according to its repayment ability within the period specified by the army.