Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been fully paid for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment shall not be less than 30% of the total price of the purchased housing;

6. For building, renovating or overhauling houses, 30% of the total upfront expenses for building, renovating or overhauling houses can be paid;

7. The construction and renovation of houses shall be based on the documents approved by the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.