(1) The borrower has an urban hukou;

(2) I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);

(3) have a stable professional income, good credit, and the ability to repay the principal and interest of the loan;

(4) There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;

(5) The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

(6) Agree to apply for house purchase guarantee or mortgaged property insurance;

(seven) agreed to other conditions stipulated by the housing provident fund management center.