Houses with outstanding loans can be donated, but provident fund loans cannot be used.

Apply for housing provident fund loans shall meet the following conditions:

(1) has a permanent residence in this city or a valid residence certificate;

(two) before the application for continuous payment of housing provident fund for more than half a year, the cumulative payment of provident fund for not less than 2 years;

(3) Self-raised funds account for more than 30% of the total house price (including 30%);

(4) Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest;

(5) signing a house purchase contract or agreement;

(6) meeting other conditions stipulated by the trustor and the trustee.