1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8. Payment conditions: the housing provident fund account has been established for more than 12 months (inclusive), and the housing provident fund has been paid in full and normally.

More than months (inclusive) and in the deposit state when applying for a loan; Or the applicant's unit is in a deferred payment state with the approval of the provident fund management center, but I meet the conditions of establishing a housing provident fund account 12 months or more (inclusive) and paying the housing provident fund in full 12 months or more (inclusive); Or the loan applicant is a retired employee who paid the housing provident fund during his/her employment (the maximum age is no more than 70 years old, and the retirement certificate and income certificate are provided at the same time when applying).

Note: Loan applicants who purchase policy housing are not subject to the time limit for deposit of Beijing housing provident fund. The loan applicant can only apply for a housing provident fund loan if he meets the conditions of establishing a housing provident fund account and being in the state of deposit.