The basic partners of provident fund personal housing loans should be: ① having permanent residence in cities and towns or valid residence status; ② Pay the housing provident fund in full and on time and have a personal housing provident fund deposit account; (3) Having stable economic income, good credit and the ability to repay the principal and interest of loans; (4) There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; (five) there are self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and it is guaranteed to be used to pay the down payment for the purchased (overhauled) housing; ⑥ A legal person, other economic organization or natural person who meets the conditions of asset mortgage or pledge or has sufficient compensation capacity as a guarantor; All landowners meet other borrowing conditions stipulated by the local housing provident fund management department.