1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

Provident fund loan process:

1. The borrower applies for a loan at the accepting bank;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

The information required to apply for housing provident fund loans is as follows:

1. Approval Form for Housing Provident Fund Loan Application in triplicate (to be filled in at the local housing provident fund management center);

2. The original and three copies of the household registration book, resident identity card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department;

3. Legal and valid original purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;

4. Where mortgage or pledge guarantee is involved, the original and photocopy of the ownership certificate of the mortgage or pledge right shall be provided, and the original of the written certificate that the person with the disposition right agrees to mortgage (pledge) shall be provided;

5. Where the guarantee is involved, the guarantor shall issue 3 originals of written commitment to provide the guarantee and 3 copies of supporting materials (including business license, financial statements of the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee;

6. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). The borrower has paid more than the specified proportion of the house purchase price.