1. Before applying for a loan 12 months, pay the housing provident fund in full and continuously in this city. Workers who have paid housing provident fund in different places in this city will transfer the balance of housing provident fund in different places to the housing provident fund account opened in our city, and there is no phenomenon of unpaid or stopped payment during the conversion period. The original deposit time and the city deposit time can be combined.

Talents with "Golden Heron Talent Card" and their spouses, high-level talents and their spouses introduced from China (Fujian) Pilot Free Trade Zone, demobilized military cadres, demobilized military sergeants, senior professionals introduced from the culture, education and health system, overseas students, young people from Taiwan Province Province who come to Fujian to start businesses, specially invited experts (professionals) from Taiwan Province Province, foreign high-level talents with "Golden Heron Talent Card" or talents who have obtained permanent (long-term) residency abroad. Demobilized military cadres who choose their own jobs will transfer their housing provident fund during their service to their personal housing provident fund account established under the "Housing Provident Fund Account of Xiamen Demobilized Military Cadres Management Center" at one time, and I have not withdrawn housing provident fund or applied for provident fund loans (including loans from public enterprises, loans from commercial enterprises to public enterprises and loans from different places). It is deemed that the deposit meets the conditions for applying for provident fund loans.

In any of the following circumstances, it shall be deemed that it has been continuously paid in full every month: (1) 12 person-month loan was paid by the company or entered into the bank account, and the unit's overall provident fund has been paid in full; (2) Due to job transfer, the housing accumulation fund has been paid in full 12 months before the loan;

2. Personal credit is good. As of the two years before applying for a loan, the longest overdue period of a personal loan shall not exceed 3 periods (inclusive), and the cumulative overdue times shall not exceed 6 periods (inclusive), excluding overdue due to reasons other than the borrower.

3. No housing provident fund loan balance.

4. There is no record of two or more housing provident fund loans, and there are no two or more houses.

5. The down payment in line with the down payment ratio has been paid.

6. Portfolio loans shall meet the qualification conditions of commercial individual housing loans in this Municipality.