The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. Provident fund loans generally apply for portfolio loans, and commercial loans are applied if the amount is not enough. What is Ganzi's guide to applying for provident fund loans? Net Bian Xiao compiled the following contents for your reference. 1. Ganzi's conditions for applying for provident fund loans are 1. He has full capacity for civil conduct; 2. No housing provident fund loan debt; 3. Have permanent residence in cities and towns or other valid residence status; 4 normal, full and continuous deposit of housing provident fund for more than 6 months (inclusive); 5 have a stable income, good credit, and the ability to repay the principal and interest of the loan. Second, Ganzi's application for provident fund loan materials 1, ID card or other valid identification 2, marriage certificate 3, proof of housing inquiry 4, proof of income 5, proof of deposit and use of provident fund loan in different places 6, commercial housing sales contract 7, down payment invoice 8, repayment account 9, household registration book 10, personal credit report 3, Ganzi's application for provident fund loan is based on the Regulations on the Administration of Housing Provident Fund (. Article 26: Employees who have paid the housing provident fund may apply to the housing provident fund management center for housing provident fund loans when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Four. The legal time limit for Ganzi to apply for provident fund loans is 10 working days. Ganzi needs to know the relevant procedures and conditions in advance when applying for provident fund loans. If the house price is relatively high and the application for provident fund loans cannot be satisfied, he can apply for commercial loans when applying for provident fund loans. If you have any other questions, please visit the website for one-on-one legal consultation.