1. Both the borrower applicant and his or her employer have remitted the housing provident fund normally for 6 months (inclusive) or more.

2. Those who have legally purchased their first home for self-occupation in this city within the past year and have paid off the required 20% of the house price, and those who have purchased the second home or second provident fund loan have paid off the required proportion of the house. When purchasing affordable housing, 30% of the required amount has been paid. Loans cannot be applied for the third loan or the third home (or above).

3. Have stable economic income and the ability to repay loans on time. (The sum of the average monthly repayment amount of the loan applied for by the borrower and other household debt expenditures shall not exceed 50% of the monthly income of the borrower and his spouse. Other household debts include commercial bank loans, credit card overdrafts, etc. , providing guarantee for others is deemed as the debt of the guarantor) The total household debt shall not exceed the maximum loan limit.

4. Good credit record. According to the personal credit report provided by the People's Bank of China's credit information system, if the borrower or spouse has bad credit records for 6 consecutive times or 10 times in total, they cannot apply for a loan.

5. Use the self-occupied house purchased this time as a mortgage. Except for affordable housing, loans cannot be applied for if the land is allocated land.