Personal provident fund loans can be up to 250 times of the monthly provident fund. 1. Conditions for handling housing provident fund: individuals and their units must continuously pay housing provident fund for one year; The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price. 2. Housing accumulation fund handling process: the lender prepares relevant materials, fills in the loan application in the bank and submits the materials; After receiving the application, the loan bank shall confirm and review the information; After the approval, the loan bank contacts the lender and signs the relevant contract; When the bank lends money, the lender performs the repayment responsibility. 3. Materials required for housing provident fund loans: household registration books of borrowers and their spouses; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law.