Legal analysis: Foshan housing provident fund loan conditions (1) The borrower is an employee who has paid the housing provident fund in our city; If the housing provident fund is not paid in our city (paid by employees in different places), the borrower or spouse is registered in our city, or the borrower's spouse pays the housing provident fund in our city and conforms to paragraph (2) of this article. The distinction between the place where the housing provident fund is paid, the place where it is registered, and the married situation shall be subject to the situation at the time of loan application. (2) Since the month of applying for the loan, the housing provident fund has been paid in full and on time in the first six months, and the accumulated housing provident fund has been paid in full and on time 1 year. If the personal data (or personal account) has been cancelled, it shall be counted from the month when the personal data is reopened and the funds are deposited. The imported talents and demobilized cadres who meet the requirements of "Notice on Supplementary Provisions on Introducing High-level Talents to Implement the Pilot Reform of Housing Commercialization in Foshan Municipal Institutions and Institutions" (Fofu [1998] 122) can apply for loans without the limitation of the payment period after opening the details of individual housing provident fund and starting to pay housing provident fund. (three) the purchase of housing, construction, renovation, overhaul of housing, lack of funds. (four) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan. (five) to provide property that meets the requirements of these measures as collateral for loans.

Legal basis: According to Article 19 of the Regulations on the Management of Housing Provident Fund in Guangdong Province, the scope and order of use of housing provident fund are as follows: (1) employees purchase, build or overhaul housing mortgage loans with ownership; (two) the unit purchase and construction of special loans to solve employee housing; (three) special loans for urban affordable housing and housing construction projects. Items (1), (2) and (3) of the preceding paragraph shall be subject to the national policy loan interest rate and the principle of low deposit and low loan. Units and employees providing loans or mortgage loans should control the deposit of provident fund according to the proportion and limit and provide guarantee. The specific implementation measures shall be formulated separately by the Municipal People's Government.