(a) loans must be used for the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) The borrower has full capacity for civil conduct and has permanent residence or valid residence status in this city;

(3) The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

(4) The borrower and the unit where he works shall go through the formalities of housing provident fund deposit in full and on time according to the regulations, and open a housing provident fund deposit account for 6 months (inclusive) when applying for a loan, and continuously deposit the housing provident fund in full for more than 6 months (inclusive); If the borrower deposits the housing provident fund outside the jurisdiction of Kunming, it shall provide the certificate of housing provident fund deposit issued by the housing provident fund management center of the office;

(5) The borrower must be the property owner or owner agreed in the house purchase contract or agreement;

(6) If the borrower purchases the auction house and uses the auction house to be purchased as the mortgage, it must have a real estate development and operation enterprise that meets the prescribed conditions and has the qualification of legal person guarantee to provide phased guarantee or the borrower agrees to provide mortgage guarantee with other houses with clear property rights in this city;

(seven) the borrower to pledge, according to the provisions of the designated entrusted bank to open a personal time deposit certificate and pledge procedures;

(eight) the provisions on the down payment ratio and loan interest rate management of the borrower's purchase of self-occupied housing:

1. Employees who deposit the housing provident fund apply for individual housing loans to purchase the first self-occupied housing, with the minimum down payment ratio of not less than 20%, and the loan interest rate shall be subject to the benchmark interest rate. (If there are changes in national policies and regulations, the changed policies and regulations shall prevail. )

2. For the paid employees who own 1 apartment and have settled the corresponding housing loan, if they apply for housing provident fund personal housing loan to purchase self-occupied housing in order to improve their living conditions, the minimum down payment ratio shall be no less than 20%, and the loan interest rate shall be subject to the benchmark interest rate. (If there are changes in national policies and regulations, the changed policies and regulations shall prevail. )

3. For paid employees who own 1 apartment and whose corresponding commercial housing loans have not been settled, if they apply for housing provident fund personal housing loans to purchase self-occupied housing in order to improve their living conditions, the minimum down payment ratio shall be not less than 30%, and the loan interest rate shall be 1. 1 times the benchmark interest rate. (If there are changes in national policies and regulations, the changed policies and regulations shall prevail. )

4. Employees who have applied for housing provident fund personal housing loans and the provident fund loans have not been settled may not apply for housing provident fund personal housing loans again.

(9) Other conditions stipulated by the lender.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 683 A legal person organ shall not act as a guarantor, except for the use of loans from foreign governments or international economic organizations with the approval of the State Council.

A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.