1. The applicant must have a stable job and income source in Shenzhen, and pay the provident fund continuously for a certain number of years, generally more than 6 months.

2. The applicant and his spouse have no real estate or only one set of housing in Shenzhen, and the housing area conforms to the relevant policies and regulations.

3. Applicants need to have a good credit record and no bad credit behaviors such as overdue repayment.

4. Applicants need to provide the purchase contract and the down payment certificate, and the down payment ratio is usually not less than 30% of the house price.

5. Applicants need to meet other policy requirements of Shenzhen on house purchase, such as house purchase qualification and purchase restriction policy.

When applying for provident fund loans, the applicant is advised to prepare relevant materials in advance, including but not limited to identity certificate, income certificate, provident fund deposit certificate, house purchase contract, etc. At the same time, understand the policy and process of Shenzhen provident fund loan to ensure the smooth application process.

In addition, Shenzhen's provident fund loan policy may be adjusted according to market conditions and regulatory needs. Therefore, applicants are advised to pay close attention to the latest policy information released by Shenzhen Housing Provident Fund Management Center before applying for the application, so as to obtain the most accurate guidance.

In short, the Shenzhen provident fund loan to buy a house needs to meet certain conditions, including the time limit for paying the provident fund, the qualification for buying a house, and the credit record. Applicants should fully understand the relevant policies before applying, and prepare all necessary materials to improve the success rate of application.