Generally speaking, a borrower applying for a loan should meet the following basic conditions: having a legal and valid identity certificate; Stable income, good reputation and the ability to repay the principal and interest of the loan; Housing provident fund deposit status is normal; Must provide the city housing provident fund management center approved by the way of guarantee; Provide real, legal and effective contracts for the purchase, construction, renovation and overhaul of owner-occupied housing; No outstanding personal housing provident fund loans; Meet other conditions stipulated by the municipal housing provident fund management center. The borrower must pay the housing provident fund continuously, on time and in full for more than 6 months, and there is no record of withdrawing the provident fund within 6 months before applying for the loan.

In addition to provident fund loans, employees can also apply for commercial loans to provident fund loans if they have previously applied for housing loans in the form of commercial loans and have subsequent provident fund accounts. The specific requirements are as follows:

1 The purchased property has obtained the property ownership certificate;

2. The borrower has sufficient funds to pay off the original commercial housing loan;

The original commercial housing loan bank agreed that the borrower would settle the loan in advance;

The borrower must be the borrower of the original commercial housing loan or his spouse;

5. The repayment of the original commercial housing loan is over 1 year (inclusive), and there is no overdue loan balance;