The conditions of provident fund loans are as follows: 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normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans. 4.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 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.