Shanghai housing provident fund loan conditions are:

1. Meet the purchase conditions of affordable housing with common property rights in this Municipality, and have signed the pre-sale (sales) contract of affordable housing with common property rights in this Municipality according to regulations;

2. The borrower must be one of the property owners;

3. Meet the current housing provident fund personal housing loan conditions, that is, before applying for a loan, the borrower and co-borrower should continue to pay the housing provident fund for 6 months; It has a relatively stable economic income, and there are no outstanding debts that may affect the repayment ability of loans.