1. Loan objects should meet the following conditions:

(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot Apply for a housing provident fund loan.

(2) Those who participate in the housing provident fund system must also meet the following conditions to apply for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan.

(3) If one spouse applies for a housing provident fund loan, neither spouse will be able to obtain a housing provident fund loan again before the spouse has repaid the principal and interest of the loan.

(4) When applying for a housing provident fund loan, the loan applicant must not only have a relatively stable economic income and the ability to repay the loan, but also have no unpaid loans with a large amount that may affect the housing provident fund loan. Ability to repay other debts.

2. The purpose of the loan must be earmarked:

The purpose of housing provident fund loans is limited to the purchase of self-occupied housing with ownership, and the purchased housing should comply with the core provisions of the municipal provident fund management. design standards. Employees who purchase housing with right-of-use rights cannot apply for housing provident fund loans.

3. Conditions that general housing loans should meet:

Housing provident fund loan applicants should have self-raised funds equivalent to 20 or more of the purchase price of the house; housing provident fund loan applicants Should agree to apply for loan guarantee, etc. These are needed to reduce the risk of housing provident fund loans.