1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related certification materials;
6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;
7. Provide customer-recognized guarantee;
8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
9. Meet other conditions stipulated by the client.
Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:
1. In principle, loan applicants who purchase policy-oriented housing with the approval of government departments should set up a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for loans, and they are in the state of deposit when applying for loans;
2. Loan applicants who purchase non-policy housing should, in principle, pay the housing provident fund in full within 12 months before applying for a loan, and be in the state of payment when applying for a loan;
3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.
Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.
Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses.
The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.