To apply for housing provident fund loans, you need to meet the following basic conditions:

1, with permanent residence or other valid residence status in this city and full capacity for civil conduct;

2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;

4. Pay the housing provident fund in full monthly for 6 months before applying for the loan;

5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management;

6. There are no other large debts that may affect the loan repayment ability;

7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure;

8. Other conditions stipulated by laws and regulations.

Provident fund loans are used as follows:

Use 1: buying a house

If you don't borrow money to buy a house, you can withdraw the provident fund at one time; Commercial loans can draw provident fund for down payment; Commercial loans to buy a house can be withdrawn from the provident fund to repay the principal and interest; Provident fund (portfolio) loans can be used to withdraw provident fund to repay principal and interest.

Use 2: Building renovated and overhauled houses.

In rural collective land construction, renovation, overhaul of their own housing and the use of housing loans, employees and their spouses can apply for withdrawal of the amount of provident fund before the month of building approval (including the month), and the total withdrawal does not exceed the cost of building.

Use 3: renting a house

The use of provident fund to pay rent or government rent subsidies for economic rental housing rent; Pay the market rent with the provident fund.

Use 4: Parents buy houses for their children.

If you buy a house by yourself and don't use a housing loan, you can withdraw your parents' provident fund; Use a personal housing loan from a commercial bank to purchase your own house, and you can withdraw your parents' provident fund after paying the down payment; Buy your own house with a personal housing provident fund (portfolio) loan, and you can withdraw your parents' provident fund after paying the down payment.

Usage 5: You can withdraw all the balance after closing the account.

Divorce or retirement; Workers with agricultural household registration, men over 60 years old and women over 55 years old; Settle abroad, Hong Kong, Macao and Taiwan; Completely lost the ability to work, mostly lost the ability to work or severely disabled, and dissolved or terminated the labor relationship with the unit; Receive unemployment insurance benefits; Being sentenced to punishment, the laborer whose registered permanent residence moved to the city or non-city dissolved or terminated the labor relationship with his unit; The housing provident fund account has been transferred to the centralized storage account for 2 years or the labor relationship with the original unit has been terminated for 2 years; If you work outside the administrative area of your city and establish and deposit housing provident fund locally, you can cancel your account and withdraw all the balance of the provident fund.

Use 6: The minimum living allowance can be withdrawn.

Workers are included in the minimum living guarantee or poverty relief scope for urban residents, and the employees themselves and their spouses can apply for withdrawal of housing provident fund, and the withdrawal amount shall not exceed the amount of housing provident fund before being included in the minimum living guarantee or poverty relief scope.

Usage 7: Treat major diseases.

Family members (including employees themselves, spouses and minor children) suffering from major illness or major surgery hospitalization, employees themselves and their spouses can apply for withdrawal of housing provident fund. The application date should be within 1 year from the date of discharge, and the personal burden of the total hospitalization expenses should be withdrawn.