1. The applicant and the co-applicant who participated in the calculation of the loanable amount of the provident fund loan have continuously paid the housing provident fund in full and on time for 6 months in this city or other places before the month of application, and the provident fund account was in a normal payment state at the time of application (the account was sealed, frozen and cancelled as an abnormal payment state). The time to deposit provident fund in this city and other places can be calculated together.

2. The applicant and the co-applicant have the ability to repay the loan principal and interest, and their credit status is good.

3. The applicant and the family of the co-applicant (including both husband and wife and minor children) have no provident fund loans or have paid off the provident fund loans in this city.

4. The applicant has paid the down payment for the house purchase as required.

5. The applicant agrees to provide a guarantee that meets the requirements of these Provisions.

6. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the provident fund loan shall prevail, and it shall be handled in accordance with the principle of "old methods for the elderly and new methods for the newcomers". But the national, provincial and municipal real estate market management policies have been clearly defined, from its provisions.

7. Meet other conditions stipulated by the provident fund management committee.

8. You can't apply for provident fund loans under any of the following circumstances: the housing purchased by employees has other rights holders except spouses, parents and children, the housing purchased by employees has a share of property rights, the housing is bought and sold between employees and their parents, spouses and children, and the applicants and co-applicants have paid the provident fund, adjusted the deposit base, and paid the provident fund by affiliated units.