(a) the applicant must hold a valid identity certificate;

(two) the house built by the applicant must have been approved by the relevant construction department;

(3) Self-built houses must have real estate licenses and land certificates;

(four) the applicant must pay the housing provident fund on time according to law, and have a provident fund account;

(five) the applicant must have a good credit record, stable income and repayment ability;

(six) other conditions stipulated by the provident fund management center.

Second, how to use housing provident fund loans to buy a house

(1) The loan object shall meet the following conditions:

1. Only employees who have participated in the housing provident fund are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund, you must also meet the following conditions to apply for a housing provident fund personal purchase loan: that is, the time for continuously paying the housing provident fund before applying for the loan is not less than 6 months.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

(two) the purpose of the loan must be earmarked:

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards of the municipal provident fund management center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans.

(three) general housing loans should have the conditions:

To apply for housing provident fund loans, there should be self-raised funds equivalent to 20% or more of the housing purchase price; Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.