(2) Having a permanent residence or valid residence status in Zaozhuang City.

(3) Having a fixed occupation and income, agreeing to the personal credit approved by the Center, having good personal credit and the ability to repay the principal and interest on schedule;

(4) The borrower has established a normal housing provident fund deposit relationship, and has continuously deposited housing provident fund for more than 12 months, and the deposit account is currently in a normal deposit state, and the borrower and spouse have not provided housing provident fund loan guarantee for others or provided large commercial bank loan guarantee for others and meet the comprehensive loan calculation quota;

(5) The borrower purchases, builds and relocates owner-occupied housing within the territory of this Municipality, and has signed a real and legal contract for purchasing, building and relocates owner-occupied housing or other valid documents, and the last payment time stipulated in the contract for purchasing, building and relocates owner-occupied housing shall not exceed 12 months from the date of applying for the loan;

(6) The borrower has paid the down payment according to the corresponding proportion;

1. Apply for a loan for the first time: purchase affordable housing (with a construction area of about 60 square meters), and have paid the down payment of more than 15% of the total purchase price; Purchase ordinary commodity housing (construction area less than 90 square meters), and have paid the down payment of more than 20% of the total purchase price; For the purchase of commercial housing (with a construction area of over 90 square meters), the down payment of over 30% of the total purchase price has been paid.

2. The down payment for the second loan application shall not be less than 50%.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(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;

(six) 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 legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Usually, with the change of the average wage of employees, the provident fund will be adjusted accordingly. Generally speaking, the housing accumulation fund is adjusted on an annual basis from July 1 day of the previous year to June 30 of that year.