Provident fund loan is a kind of business of bank loan, which requires employees to meet the conditions of provident fund loan.

Basic conditions for applying for housing provident fund loans:

Pay the housing provident fund in full for 6 months continuously;

Housing consumption, including: the purchase of commercial housing, affordable housing and second-hand housing; Construction, renovation and overhaul of houses; Collect the price of resettlement houses to make up the difference;

Have a certain percentage of down payment (self-raised funds);

Good credit and the ability to repay the principal and interest of the loan;

Provide recognized guarantee methods, such as mortgage, pledge, guarantee, etc.