1. Those who apply for housing provident fund loans must have no balance of housing provident fund loans. In other words, those who meet the conditions of the second-home provident fund loan must first settle the first-home provident fund loan when applying for a loan.

2. The down payment ratio shall not be less than 50% (the provisions of provident fund centers vary from place to place).

3. No bad credit record;

4. Have a stable job and income and the ability to repay in full and on time;

5. Other conditions required by the provident fund center. In addition, some provident fund centers have certain requirements for the purpose of the second-home provident fund loan and the construction area of the second-home, so the specific situation should be subject to the regulations of the local provident fund center!