1. When the borrower applies for a loan at the place where he applies for a provident fund loan, the provident fund is in a normal deposit state.

2. The applicant or * * * and the unit where the applicant works shall pay the housing accumulation fund for the borrower continuously for at least one month according to the regulations.

3. The applicant has a stable economic income and the ability to repay the loan.

4. The applicant agrees to provide the approved loan guarantee method.

5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund.