Provident fund loan conditions:

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 before 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 six 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 housing provident fund loans, and both parties are not allowed to apply for housing provident fund loans again before paying off the principal and interest of the loans. 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 a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, 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 terms of provident fund loans and commercial housing loans must be the same.