Asset securitization of housing provident fund for individual housing loans: (1) Borrowers applying for housing provident fund loans must first turn in the housing provident fund, and employees who have not turned in the housing provident fund are not eligible to apply. (2) The borrower applying for the housing provident fund loan must also meet the conditions that the housing provident fund must be turned over for six consecutive months. Employees who have participated in housing provident fund but have not applied for housing provident fund for less than six months cannot obtain housing provident fund loans. (3) If both husband and wife apply for housing provident fund loans, if one of them has already applied for loans, they are still not eligible to apply for housing provident fund loans until the principal and interest of the loans are paid off. If both husband and wife choose to apply for housing provident fund loans, they must pay off the loan principal and interest before they can apply. (4) In addition, borrowers who apply for housing provident fund loans cannot apply if they have other loans to pay off. Other outstanding loans or other debts may affect the repayment strength of housing provident fund loans, and those with certain risks will not be accepted.