Employees applying for Hefei housing provident fund loans to buy second-hand houses must meet the following loan conditions: 1. The borrower has normally paid the housing provident fund in full for more than six months. 2. The ordinary self-occupied second-hand house purchased by the lender should be in a mature community within or outside the Second Ring Road, and it must be a complete set of houses. In principle, it should be a house in a residential community (marked as a community on the real estate license) or a second-hand house in a dormitory. The term of the house shall not exceed 20 years from the date of completion of the house. 3. The borrower has a permanent residence in this city, has full capacity for civil conduct, has a good reputation, has a stable economic income and the ability to repay the principal and interest of the loan; The monthly repayment amount shall not exceed 50% of the family's monthly income. 4. The down payment shall be paid to the special account of Hefei Stock House Fund Custody Center Bank (Huixing or ICBC) as agreed, and the down payment of the first housing provident fund loan shall not be less than 20% of the house price; The down payment of the second housing provident fund loan is not less than 20% of the house price, and the loan interest rate is 1. 1 times of the first housing provident fund loan in the same period. 5. Parents and their children and other immediate family members purchase houses without providing loan support. 6 portfolio loans involving commercial loans, down payment, loan times, interest rates and other relevant provisions by the loan undertaking bank in accordance with the relevant provisions of the People's Bank of China. 7. There is no outstanding housing provident fund loan between the applicant and his wife. 8. The borrower must be the purchaser, and the property right ratio shall not be less than 50% (inclusive). Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.