1. The applicant's housing provident fund account is normal and the continuous deposit time is 12 months or more;

2. The sum of the loan application age and the loan period is less than 70 years old;

3. The applicant has stable income and repayment ability and good personal credit status;

4. There is enough balance in the provident fund account. Since the maximum amount of personal provident fund loan in Hangzhou is 500,000, if you want to borrow 600,000, you need to use the provident fund of both husband and wife to make a loan.

According to the regulations, in 2022, the loan multiples of housing provident fund in the main urban area of Hangzhou, Xiaoshan District, Yuhang District, Linping District, Fuyang District and Lin 'an District are currently determined to be 15 times, that is, the loan amount is determined according to 15 times of the account balance. Of course, this loan amount must also be within the maximum amount stipulated by the housing provident fund. If it exceeds the maximum amount stipulated by the provident fund management center, the loan amount stipulated by the provident fund shall be the final loan amount.