1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.

2. With the approval of the Center, the employees of the deferred units can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).

3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.

4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.

5. Other conditions stipulated by the bank.