2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the provident fund deposit system cannot enjoy the provident fund loan business;

3 to participate in the housing provident fund system, you must meet certain conditions to apply for housing provident fund loans. Before applying for housing provident fund loans, you need to pay the housing provident fund in full for at least 6 months, and some cities stipulate that it is 12 months or more;

4. The purchase, construction, renovation and self-occupation of ordinary housing in an urban area requires relevant procedures, certificates and self-raised funds that have been delivered in a specified proportion;

5. Have a certain capacity for civil conduct, have a stable job and income, have certain repayment conditions, and have good credit;

6. After passing the provident fund loan, one spouse applies for a housing provident fund loan, and neither spouse can enjoy the provident fund loan business until the loan is completely clear;

7. The longest term of provident fund loans is 30 years. When buying a house, if you apply for a combination of provident fund loans and commercial loans, then the loan period must be the same.