According to Article 15 of Several Provisions on Provident Fund Management: If employees or their parents or children buy, build, renovate or overhaul their own houses in this city, employees may apply to the Provident Fund Management Center for housing provident fund loans.

To apply for housing provident fund loans, the following conditions shall be met:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6. Other conditions stipulated by relevant laws, regulations and policies.