Legal analysis: The conditions for provident fund loans in Changsha Yuelu District include full capacity for civil conduct; normal and continuous payment of housing provident funds for more than 12 months; good credit, stable income, and the ability to repay the principal and interest of the loan; not exceeding the national limit The prescribed statutory retirement age: Apply within one year for purchasing, constructing, renovating, or overhauling an ordinary self-owned house; having an asset mortgage recognized by the management center and a guarantee company, and agreeing to choose the repayment and guarantee methods prescribed by the management center, etc.

Legal basis: "Regulations of the People's Republic of China on the Administration of Housing Provident Funds"

Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees Provident funds belong to individual employees.

Article 4 The management of housing provident funds shall be based on the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage in special bank accounts, and financial supervision.

Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 6 The deposit and loan interest rates for housing provident funds shall be proposed by the People's Bank of China and shall be submitted to the State Council for approval after soliciting the opinions of the construction administrative department of the State Council.

Article 7 The construction administrative department of the State Council shall, together with the financial department of the State Council and the People’s Bank of China, formulate housing provident fund policies and supervise their implementation.