When applying for a provident fund loan in Huzhou, you must meet the loan conditions and requirements, as follows:

1. When employees with full capacity for civil conduct purchase, build, renovate or overhaul their own self-occupied houses in this city, when the balance of their personal accounts with the co-owners of the houses is insufficient, they can apply for housing provident fund loans.

2. The borrower (including spouse, the same below) shall meet the following conditions when applying for provident fund loans:

(1) The housing provident fund has been paid in full for 6 consecutive months before the application (2 months for newly employed college students or imported talents);

(2) Having a stable economic income and the ability to repay the loan principal and interest;

(3) Personal credit is good and meets the relevant requirements of provident fund loans for personal credit;

(4) If you buy a house, you need to sign a valid house purchase contract and use the specified proportion of the down payment paid by yourself to the total house payment;

(five) new construction, renovation and overhaul of housing, it shall provide relevant approval documents, housing ownership certificates and land use certificates;

(6) Agree to provide loan guarantee approved by the loan principal;

(7) To apply for a loan with shared real estate, the co-owner of the house must be the spouse or lineal blood relative of the borrower;

(eight) other conditions stipulated by the provident fund management committee.