1. A natural person with full capacity for civil conduct is between 18 years old and the legal retirement age, that is, the male is under 60 years old and the female is under 55 years old.

Two, a relatively stable economic income, with the corresponding loan repayment ability, good personal credit. Agree to choose the guarantee method approved by Nanning Provident Fund Center.

(3) Holding contracts or agreements for the purchase and construction of houses, and being the buyer; If the applicant transfers the public loan, it must be the original commercial loan borrower and mortgagor.

4. The deposit of housing provident fund meets the following conditions: the individual housing provident fund account is in a normal state; The interval between the last deposit month and the month of applying for a loan shall not exceed two months; Housing provident fund has been paid for more than 6 months (inclusive). In any of the following circumstances, it can be regarded as continuous normal deposit after examination and confirmation by Nanning Provident Fund Center: the employee changes the housing provident fund deposit center, and the deposit time is continuous before and after the change, and the balance of the original personal account is transferred to the personal account of Nanning Provident Fund Center; Due to work change, institutional reform, application for deferred payment and other reasons, the corresponding time of overdue part is continuous with the normal deposit time;

5. The down payment has been paid, and the proportion of the down payment to the total price of the purchased house is not less than the corresponding proportion, and the sum of the down payment and the loan amount should be equal to the transaction price of the house. If the borrower applies for provident fund loans with monetary compensation for replacement houses or newly purchased houses, in addition to meeting the above conditions, the loan amount of the house should be determined according to the difference between the house payment payable for replacement houses or newly purchased houses after deducting monetary compensation.

Six, the loan applicant to apply for a loan in any of the following circumstances, no loan:

(1) Personal credit information has one of the following bad records: currently in loans overdue, or compensated by the guarantor; The loan or credit card has been overdue for more than 2 consecutive periods in the past year; In the past two years, the loan or credit card has been overdue for more than three consecutive periods; The loan or credit card is overdue for more than 12 (inclusive) in the last five years; There are bad debts, write-offs, payment suspension, enforcement, etc. ; Being included in the list of untrustworthy persons; (two) in the past five years, it has provided false information and false promises;

(three) due to illegal use of housing provident fund withdrawal, loan eligibility has not reached the prescribed time limit;

(four) the illegal use of housing provident fund is under investigation or the administrative law enforcement case has not been implemented and has been ordered to rectify, punish or deal with it;

(five) there are other circumstances that may affect the safety of provident fund loans.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.