Provident fund loan conditions: 1, with permanent residence or valid residence status in the city applying for provident fund loan; 2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; 3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) when applying for the provident fund loan, and the housing provident fund in their account has not been used this time; 4, provident fund loans in the city to apply for provident fund loans to buy self-occupied housing, there must be a legal purchase contract or agreement; 5. There is a certain proportion of down payment for house purchase that meets the requirements; 6. Provide guarantees that meet the legal requirements. If the payment of housing provident fund is interrupted halfway, resulting in the failure to pay the housing provident fund in full for six consecutive months, even if it is completed, you cannot apply for a provident fund loan. The solution now is to continue to pay the housing provident fund in full and then apply for it for six months in a row.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.