1. He has opened a provident fund account for more than 1 year, and has continuously paid the housing provident fund for 1 year before applying for a provident fund (portfolio) loan, and his employer has not defaulted;

2. I have no outstanding provident fund (portfolio) loan;

3. I and my spouse have good credit status;

4. Employees purchase, build, renovate and overhaul their own houses.

Note: If an employee has used his spouse's provident fund to apply for a housing provident fund (portfolio) loan, his spouse cannot apply for a housing provident fund (portfolio) loan before the loan is paid off.