Legal analysis: 1, first look at whether you have a provident fund account. This can be seen in the usual salary details, depending on whether the unit has sent it to you. As long as you pay, you will have an account, or you can visit the website of the local provident fund center for enquiry. 2. Under the premise of having a provident fund account, only those who have paid the provident fund in full for more than 6 months or accumulated for more than one year before the month of applying for a loan are eligible to apply for a loan. The purpose of this regulation is mainly to prevent job instability and income instability, so as to control post-loan risks. Therefore, if your job changes frequently, you must check whether your provident fund meets these two conditions. Of course, there are different rules in some places. Please consult your local provident fund center for details. 3. If both husband and wife have outstanding provident fund loans, they will no longer be eligible to apply for housing provident fund loans; 4. If there are outstanding large loans or credit stains, you will not be eligible to apply for housing provident fund loans; 5. The sum of the lender's age and loan term must be less than 70 years old. For example, if you are now 40 years old and you apply for a 30-year loan, the provident fund management center will not approve it; 6, before the loan, must sign a contract for the sale of commercial housing.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account: (1) purchasing, building, decorating or overhauling their own houses; 2 retirement; (three) completely lose the ability to work and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account. If there is no legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant to withdraw, and the entrusted bank shall go through the payment procedures.