The statutory conditions for handling provident fund loans are:

1. The lender must be an urban resident, and the employer has paid the housing accumulation fund for a certain period of time;

2. The purpose of applying for provident fund loans is to purchase, build, renovate, overhaul and decorate urban self-occupied housing;

3. The applicant needs to issue an extraction certificate to the unit, and then apply to the housing provident fund management center.