If it is a municipal provident fund:

1. With the family as the unit, there is no outstanding provident fund loan;

2. No more than two sets of real estate under one's name (two sets in total), and no more than two times (including two times) of withdrawal of provident fund;

3. Commercial loan records can only be applied after being reflected in the credit report, and banks applying for commercial loans can apply for provident fund loans;

4./kloc-the balance of 0/3 months should be put in the provident fund account.

If it is a provincial provident fund:

1. With the family as the unit, there is no outstanding provident fund loan;

2. You can only apply for commercial loans after obtaining credit information, and banks that apply for commercial loans can apply for provident fund loans;

3./kloc-the balance of 0/3 months should be put in the provident fund account.

Required materials: new real estate license, deed tax payment certificate, lender's ID card, household registration book, marriage certificate and original real estate transaction contract.