Legal analysis: 1. The borrower has settled the debt of the first home provident fund loan; 2. The borrower must have an urban hukou and a stable source of income and repayment ability; 3, housing provident fund in the city on time and in full deposit for more than one year; 4. Pay the down payment in a specified proportion; 6. The borrower agrees to apply for house purchase guarantee or mortgaged property insurance.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 24 An employee may withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling a self-occupied house; 2 retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.