(a) the loan object

Employees who have continuously paid the housing provident fund in full in the housing provident fund management center for 6 months according to regulations (the opening time of the employee's individual housing provident fund deposit account is from the loan application time 180 days, and the deposit account is in a normal state, and the monthly continuous deposit time exceeds 6 months, excluding overdue payment) and above can apply for provident fund loans or portfolio loans when purchasing self-occupied housing.

(2) the basic conditions of the loan

1. The borrower holds legal identity documents and has full capacity for civil conduct;

2. The borrower and his spouse have good credit records and meet the auditing standards for provident fund loans;

3 have a stable economic income and the ability to repay the principal and interest of provident fund loans on time;

4. There is a real purchase behavior, and the purchase behavior generally occurs within one year, except for housing commercial loans to housing provident fund loans; The ownership of the purchased house is clear, the procedures are legal and complete, and there is no legal dispute;

5. There are no outstanding provident fund loans;

6. Agree to mortgage the purchased houses with loans, or provide guarantees in the form recognized by the management center, such as government bonds, bank deposit certificates, securities, etc.

The specific policies of different places may be slightly different, so you can consult the local housing provident fund management center.