(2) The employee's unit has established the housing provident fund system for more than two years, and the unit has no bad deposit record, and the newly transferred and newly hired employees have paid the housing provident fund for more than three months (including three months);
(3) Loans are used to purchase commercial housing, affordable housing, housing reform housing, second-hand housing, reconstruction and restoration housing and self-built housing;
(4) Natural persons with stable economic income, ability to repay loan principal and interest, good credit record and full capacity for civil conduct;
(5) There are legal purchase contracts and self-raised funds with a down payment of not less than 30% of the total purchase price;
(6) Newly traded second-hand houses can apply for loans within 6 months with deed tax invoices; Do not provide loans for more than 6 months.
(7) Those who hold housing ownership certificate loans can apply for renovation loans within two years with deed tax invoices, and no loans will be provided for more than two years.
(8) Self-built houses can apply for loans within one year, and loans will not be granted for more than one year;
(9) After withdrawing the provident fund, employees must continuously deposit it for more than 1 year, and they are not eligible for loans within 1 year.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(four) the city or county where the household registration has moved out or settled abroad;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.