I. Loan conditions

1. Have People's Republic of China (PRC) (China) household registration and valid resident ID card;

2. When applying for a loan, the housing provident fund has been continuously paid in full for more than 6 months (inclusive);

3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and the mortgage or guarantee formalities can be handled;

4. The down payment for house purchase has been paid as required;

5 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 first to repay the personal housing provident fund loan.

Second, the margin standard is as follows:

1. During the period from applying for the housing provident fund loan to issuing the loan, the deposit account shall be kept in a normal deposit state.

2. Whether the employee pays in full is subject to the deposit base, and the employee does not need to provide personal income proof.

3. All business outlets are responsible for reviewing whether employees pay in full and continuously during the interview.

4. The employee's monthly, full and continuous deposit from application to loan is regarded as normal deposit. If there are abnormal deposits within 6 months (inclusive), such as overdue payment and multiple deposits within one month, it is necessary to scan the repayment certificate of the unit, and then continue to apply for personal housing provident fund loans after approval.