1, employees with permanent residence or valid residence identification in the local administrative area;

2. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as a guarantor;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Other conditions stipulated by the provident fund center.

At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan.