1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system can apply for housing provident fund loans.
2. People who participate in the housing provident fund system apply for individual housing loans with housing provident fund, and the time for continuous payment of housing provident fund before applying for loans must meet the conditions of more than 6 months, because if employees pay housing provident fund abnormally, their income will be unstable intermittently, and risks will easily occur after loan issuance.
3. When one spouse applies for a housing provident fund loan, neither spouse can get a housing provident fund loan until the loan interest is paid off, because the housing provident fund loan is the "housing security" financial support to meet the basic housing needs of employees.
4. When submitting an application for housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and have not paid off other debts with a large amount that may affect the repayment ability of housing provident fund loans. When employees are involved in other debts, it is risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.
5. The longest term of provident fund loans shall not exceed 30 years. When handling portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.