1, employees with full capacity for civil conduct and permanent residence in cities and towns or valid proof of residence;

2. The borrower must open a housing provident fund account and pay the housing provident fund in full for more than 6 months (inclusive), and the provident fund account is in a normal state.

3. Have a stable economic income and the ability to repay the loan principal and interest, have a good personal credit report, and have no other debts that affect the loan repayment ability.

4. Purchase, construction and overhaul of owner-occupied housing within the administrative area of this Municipality;

5. There are legal and effective housing sales contracts and agreements;

6, the purchase of commercial housing, affordable housing, the down payment ratio is not less than 20% of the total purchase price; For the purchase of second-hand houses, the down payment ratio shall not be less than 30% of the total purchase price;

7. Agree to use the purchased property as collateral, and issue a commitment letter that can be placed by itself when disposing of the collateral;

8. Other conditions stipulated by the provident fund center.