Legal analysis: 1. The loan applicant must meet one of the following conditions for the deposit of the housing provident fund: (1) Pay the housing provident fund to the housing provident fund management center on time, in full and continuously within six months before the month of applying for the loan, and have not owed the housing provident fund within two years from the month of applying for the loan; (2) If the loan applicant is transferred from other places to this city, he shall pay the housing provident fund (paid by the unit) on time, in full and continuously six months before the transfer, and the provident fund has been paid normally in the center for at least 1 month (the payment status is normal and there is no arrears). 2. The housing purchased by the loan applicant is self-occupied ordinary housing; 3. The loan applicant is the owner or co-owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer); 4, a stable source of economic income and the ability to repay the principal and interest on time; 5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge; 6. The loan applicant has obtained the ownership certificate, house ownership certificate and state-owned land use certificate of the purchased house; 7. The original commercial loan must be a house purchase loan, and there is no debt for more than two months at the time of the loan. 8. When the original commercial loan is lent, the principal balance must be the loanable amount of the applicant's provident fund. 9. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:

Purchase, construction, renovation and overhaul of owner-occupied housing;

2 retired;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

Rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.