1, has a proper occupation and stable economic income, has the ability and willingness to repay the loan principal and interest on time, and has a good credit standing;

2. There is a registered, legal and effective commercial housing sales contract;

3. Self-raised funds not less than 30% of the total purchase price;

4. Agree to use the purchased house as collateral;

5. Agree to handle comprehensive loan insurance;

6. The guarantor agrees to guarantee him until he obtains the house ownership certificate, handles the mortgage registration of other rights of the house, and then submits it to the loan bank and the provident fund center for safekeeping;

7 other conditions stipulated by the provident fund management center.

Procedures required for provident fund housing loans:

1. Apply for a loan at the local housing provident fund management center.

2. Sign a loan contract. After the local provident fund management center approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center and a mortgage contract with the real estate mortgagor. If personal protection needs to enjoy the provident fund, personal double protection;

3. To apply for house mortgage, it shall be notarized for real estate mortgage;

4. The borrower shall submit the loan information together with the loan contract, mortgage contract, house ownership certificate or mortgage certificate to the provident fund management center after handling the mortgage formalities with the real estate mortgage. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the funds to the personal accounts of the parties on time.

To sum up, after the borrower's application is approved by the local provident fund management center, the borrower signs a loan contract and a mortgage contract with the provident fund management center and a mortgage contract with the real estate mortgagor. If personal protection needs to enjoy the provident fund personal double protection.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.