Provident fund loans have always been the best way to buy a house because the interest rate is very low. If your provident fund balance is large, not only the loan amount is high, but also it can be used for repayment. The conditions of provident fund loans in different regions are different. Today, I would like to introduce the application conditions of Guangzhou provident fund loan. 1. Have People's Republic of China (PRC) household registration and valid identity card; (Note: compatriots from Hong Kong, Macao and Taiwan and foreigners with permanent residency in China should hold mainland passports, passports or permanent residence identity cards of compatriots from Hong Kong, Macao and Taiwan when applying for loans) 2. When applying for a loan, the applicant's deposit amount shall meet the following conditions: (1) The registered employees in this city have continuously paid the housing accumulation fund in full 1 year or more (inclusive); (2) Employees who are not registered in this Municipality have continuously paid the housing provident fund in full for more than 2 years (inclusive); (3) Voluntary depositors also need to meet the requirements of voluntary continuous deposit in this city for more than half a year (including half a year); (4) Non-local registered employees with Guangzhou talent green card apply for provident fund loans and enjoy the treatment of local registered employees; (5) Compatriots from Hong Kong, Macao and Taiwan and foreigners with permanent residency in China who open personal accounts in the name of the employer to deposit housing provident fund shall apply for housing provident fund loans in accordance with the relevant provisions on non-local registered employees applying for provident fund loans; (VI) Compatriots from Hong Kong, Macao and Taiwan and foreigners who have the right of permanent residence in China, if they open an account and deposit the housing provident fund in their own name in accordance with the Measures of Guangzhou Municipality on Voluntary Deposit and Use of Housing Provident Fund by Individuals, apply for housing provident fund loans in accordance with the relevant provisions on voluntary application for housing provident fund loans by non-registered employees in this Municipality; 3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and mortgage or guarantee procedures can be handled; 4. The down payment of the house has been paid according to the regulations (the down payment of the stock house needs fund supervision, see point 4 of this guide for details); 5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest; 6. The paid housing provident fund shall be used first to repay the personal housing provident fund loan.