(1) has a permanent residence in this city or other legal and valid residence status;

(2) having stable income, good credit and the ability to repay the principal and interest of the loan;

(3) There are legal and valid certification materials for the purchase and construction of housing;

(4) Having assets recognized by the provident fund center as collateral or pledge, or a guarantor with sufficient compensatory capacity;

(5) Meet other conditions stipulated by the Municipal Provident Fund Center.

Second, the loan application materials

When applying for a loan, in addition to the ID card, household registration book and marriage certificate, the applicant shall also provide the following materials:

(1) Commodity housing and affordable housing:

(1) Legal and valid purchase contract;

(2) proof of down payment of more than 30%.

(The Provident Fund Center may, according to the actual situation of some properties, require the provision of evaluation reports, registration certificates of house property rights or other relevant materials, etc. )

(2) Second-hand houses:

(1) Legal and valid real estate sales contract issued by the property right department;

(2) the real estate license and land use certificate of the transaction property;

③ Real estate appraisal report.