The borrower applying for a loan shall meet the following conditions at the same time

(a), according to the provisions of the municipal housing provident fund management to apply for loans, housing provident fund has been paid in full for more than 6 months (or 3 months), and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers.

(2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house;

(three), a stable income, good credit, the ability to repay the loan principal and interest;

(four), with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;

(five), to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management center;

(6) Other prescribed conditions.

Second, personal preparation materials:

1, personal provident fund loan application approval form;

2. The applicant's identity card or valid identification certificate;

3. The applicant's spouse's ID card or valid identification certificate;

4. The identity card or valid identity certificate of the applicant's auxiliary repayment person;

5, the applicant and spouse, auxiliary repayment household registration book;

6. The applicant's marriage certificate or marriage relationship certificate;

7. Work and income certificates of the applicant, his/her spouse and the auxiliary repayment person;

8. Power of attorney for loan fund allocation;

The above materials are in triplicate.

Three, commercial loans to public funds loan preparation materials:

1, house purchase contract;

2. Loan contract for commercial loans;

3, the last three months of commercial loan repayment certificate;

4. The loan balance certificate and the lender's ID card issued by the commercial bank;

5. Household registration book;

6. Marriage certificate;

The above materials are in triplicate.