1. Meet the application conditions of Guangzhou provident fund loan, including: (1) China household registration and valid identity documents; (2) The registered employees in this city have continuously paid the provident fund in full 1 year and above, and the non-registered employees have paid in full for 2 years and above; (3) Having a house purchase contract or agreement and being able to handle mortgage or guarantee procedures; (4) The down payment for house purchase has been paid as required; (five) with full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the principal and interest of the loan; (6) The paid housing provident fund shall be used to repay the personal housing provident fund loan first.

2. The borrower must be the borrower or spouse of the original housing loan;

3. The original lending bank agrees to settle the remaining amount of the original commercial loan in advance;

4, the original commercial loan repayment for more than one year (inclusive) and no overdue;

5. The purchased property has obtained the real estate license and is of reinforced concrete structure;

6. The purchased property can be mortgaged.