Legal analysis: Yes. Application conditions: 1, legal and valid identity 2, full capacity for civil conduct 3, stable occupation and income, good credit status and ability to repay the principal and interest of the loan 4, purchase, construction, renovation and overhaul of owner-occupied housing 5, contract or relevant supporting documents for purchase, construction, renovation and overhaul of owner-occupied housing 6, provision of guarantee approved by the client 7, the borrower and his wife have not paid off.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.