Apply for housing provident fund loans shall meet the following conditions:

(1) has legal and valid identity and full capacity for civil conduct.

(2) It has good credit status and no outstanding loans;

(3) continuous deposit of housing provident fund for more than half a year before application;

(4) Self-raised funds account for more than 30% of the total house price (including 30%);

(5) Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest;

Extended information housing provident fund loan refers to the housing mortgage loan issued by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

Resource housing provident fund loans _ Baidu Encyclopedia