1. Xi provident fund loan applicant:

1. Employees who have continuously paid the housing provident fund in full monthly for more than the specified period (currently 12 months) and have full capacity for civil conduct can apply for housing provident fund loans when purchasing self-occupied ordinary houses.

2. For those who have paid the housing provident fund in different places and paid it in the current deposit place within the prescribed time limit, after the transfer is completed, the payment time can be calculated according to the deposit certificate or deposit details issued by the housing provident fund management center of the original deposit place.

Ii. Application conditions for Xi provident fund loan:

(1) Holding valid identity documents;

(two) a stable income, good credit, the ability to repay the principal and interest of the loan;

(three) the purchase of housing, must have a contract or agreement to buy housing according to law. Married couples must sign;

(4) The borrower shall be the purchaser. If the purchaser purchases jointly by parents, children or relatives and friends, it will not be accepted;

(five) the purchase of housing, should first pay not less than the prescribed proportion of the purchase price;

(six) guarantee according to the agreement between the provident fund center and the entrusted bank;

(seven) there is no outstanding housing provident fund loan principal and interest when applying for housing provident fund loans;

(eight) other conditions stipulated by laws, regulations and rules.