The conditions for using the provident fund loan to buy a house are: the borrower has good credit, stable occupation and income, has participated in the housing provident fund system, and both husband and wife of the borrower have no outstanding housing provident fund loans and housing provident fund policy discount loans, and have a house purchase contract, permanent residence in cities and towns or valid residence status. Legal basis: The conditions for using the provident fund loan to buy a house are: the borrower has good credit, has a stable occupation and income, participates in the housing provident fund system, and both husband and wife of the borrower have no outstanding housing provident fund loans and housing provident fund policy discount loans, and have a house purchase contract, permanent residence in cities and towns or valid residence status. Legal basis: Article 17 of the General Rules for Loans. Borrowers applying for loans should meet the following basic conditions: products have a market, production and operation are profitable, credit funds have not been misappropriated, and credit is strictly observed. First, the borrower should be able to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been formulated; Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened; 4. The borrower's asset-liability ratio meets the requirements of the lender. "Regulations on the Management of Housing Provident Fund" Article 26 When employees who pay housing provident fund purchase, build, renovate or overhaul their own houses, they can apply for housing provident fund loans from the housing provident fund management center.