1. The lender must have permanent residence or valid residence status in Shanghai; From the date of application, the housing provident fund must be continuously paid in full 12 months or more. If both husband and wife pay the provident fund, only one party is allowed to lend.

2. There is a contract or agreement for the purchase, construction and overhaul of owner-occupied housing according to law; Have a stable economic income and the ability to repay the principal and interest of the loan on time, and need a monthly income certificate issued by the applicant's unit.

3. Agree to use the purchased house or the house of a third party with its own or complete property rights as collateral, or pledge with a certificate of deposit recognized by the loan bank, or provide guarantee by a legal person, organization or third party recognized by the loan bank.

4. In Shanghai, to apply for a provident fund renovation loan, you need to have the identity certificate of the applicant and spouse; Proof of stable economic income; Proof of deposit of housing provident fund; Purchase contracts and agreements signed with sales units; My spouse and I fill out the loan application approval form together.