Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, and the provident fund has been paid in full for more than 6 months (inclusive) and has good credit;

3. Have a stable income and the ability to repay loans;

4. Having a legal and effective contract or agreement for the purchase of housing or a Property Ownership Certificate issued by the real estate administrative department;

5. If the house is purchased, the down payment of not less than 3% of the total price of the house has been paid;

6. If the house is built, renovated or overhauled, the upfront expenses of 3% of the total expenses required for building, renovated or overhauled houses can be paid;

7. For the construction or renovation of housing, the documents approved by the planning and land management departments shall be available;

8. If the house is overhauled, it shall have the documents approved by the planning management department;

9. It can provide effective guarantee recognized by the management center;

1. Other conditions stipulated by relevant laws, regulations and policies.