Legal analysis: employees who meet the following conditions at the same time can become borrowers of provident fund loans after application: (1) having permanent residence in cities and towns in this city; (two) before the application, the housing provident fund has been continuously paid for not less than six months, and the accumulated housing provident fund has been paid for not less than two years; (three) the purchased house meets the architectural design standards stipulated by the municipal provident fund center; (4) The down payment for house purchase shall not be less than the prescribed proportion; (5) Having relatively stable economic income and the ability to repay loans; (6) There are no large outstanding debts that may affect the loan repayment ability.

Legal basis: Article 6 (Borrower's conditions) of the Measures for the Administration of Individual Housing Loans of Shanghai Housing Provident Fund. At the same time, employees who meet the following conditions can apply to become borrowers of provident fund loans:

(1) Having a permanent residence in this Municipality;

(two) before the application, the housing provident fund has been continuously paid for not less than six months, and the accumulated housing provident fund has been paid for not less than two years;

(three) the purchased house meets the architectural design standards stipulated by the municipal provident fund center;

(4) The down payment for house purchase shall not be less than the prescribed proportion;

(5) Having relatively stable economic income and the ability to repay loans;

(6) There are no large outstanding debts that may affect the loan repayment ability.

The architectural design standards in Item (3) and the proportion in Item (4) of the preceding paragraph shall be drawn up by the Municipal Provident Fund Center, implemented after being approved by the Shanghai Housing Commission, and announced to the public.