1. The applicant must be a customer of Ping An Bank, with good personal credit information and no bad credit record.

2. The applicant must have worked continuously in the current work unit for 1 year.

3. Before applying for the provident fund loan, the applicant must continuously deposit the housing provident fund 1 year or more, and keep the continuous deposit status during the loan processing.

4. The applicant's provident fund deposit base needs to exceed that of 400 yuan.

5. Applicants need to meet other conditions stipulated by Ping An Bank, such as having a formal urban hukou or valid residence status in this city.

6. The borrower must be between 23 and 55 years old, have full capacity for civil conduct and hold valid identification.

7, continuous payment of provident fund 1 year or more, and the payment of provident fund in the past year is normal.

8. Have a stable job and income, and the monthly income is more than twice the monthly repayment.

9. Have a good credit record and no bad credit record.

10. The borrower shall agree to handle the formalities of house mortgage and guarantor's guarantee.