The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. 1. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center.

2. Employees with permanent residence in cities and towns or valid residence identification.

3. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans.

4. There is a contract or agreement to purchase a house, and the down payment amount is not less than 20% of the value of the house purchased.

5. Have a relatively stable professional and economic income, have the corresponding repayment ability, and have a good personal credit.

6, can provide housing provident fund management center approved by the way of guarantee.

Legal basis:

Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.

Derivative problem:

How to apply for provident fund?

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

1) Proof of deposit of housing provident fund of the applicant and spouse;

2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity cards and household registration books) and proof of marital status;

3) Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4) valid documents such as house purchase contract and agreement;

5) Collateral, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and collateral appraisal certificate issued by relevant departments;

6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract;

7) Other materials required by the Provident Fund Center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.